104 Holders Hill Road, London, NW4 1LL

UPRN:200065531Mid Terrace House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band FEPC: D (66)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£933,000

£886k - £980kHigh

Estimate

£933k

Range

£886k – £980k

Rent Estimate (pcm)

£3,800

£3k - £4k

Monthly

£3,800

Yield

5.70%

Verdict

Derived from HomePortfolio scores

104 Holders Hill Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (66/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

66/ 100

Moderate

Transit & Bike

Transit 29Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the advert has 5 bedrooms but the valuation snapshot describes 3 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +14.3% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 200065531· as of 9 Oct 2026
Rental economics4.5/40
gross yield 5.7%; range width penalty ×0.81
- valuation_snapshotsrent estimate 3800/mo (range 3400-4150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -712/mo, -19% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 77 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 30 Oct 2026
Risk & liquidity14.6/15
202 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£600,000£920,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£800,000

At the asking price

Monthly rent£3,800/mo

Evidenced range £3,400-£4,150

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: -£69/mo
Cash on cash: -0.3%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 200065531Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3800/mo (range 3400-4150)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 3800/mo (range 3400-4150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 77 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£933,000

Rent Estimate (pcm)£3,800

Gross Yield5.70%

1y Growth-

3y Growth-3.3%

5y Growth+0.4%

10y Growth+1.1%

Last Sold Price£740,000 (2015-12-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NW4 1LL

Approval Rate

-12mo

Development

low

26/3931/FUL
Conversion of the existing dwelling into 3no. self-contained flats including single storey side and rear extensions, first floor side extension following demolition of existing side extension. Replacement of the existing rear dormer window to the rear main roof and additional roof addition to the outrigger and 1no. rooflight to the front and 1no. rooflight to rear main roof. Associated refuse/recycling to front and cycle storage to rear
Pending
26/3929/192
Roof extension involving hip to gable, rear dormer window, 2no. front facing rooflights and new side gable window
Pending
26/3874/PNH
Single storey rear extension with a proposed depth of 6 metres, maximum height of 3.4 metres and eaves height of 3 metres
Pending

View Planning Timeline

Ownership

Corporate Ownership47.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-12-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,239

Population Density4,673 /km²

Owner Occupied75%

Age Distribution

0-15 19%16-64 54%65+ 27%

View Area Profile

Schools Nearby

Hasmonean High School for Boys
0.3 mi
Good
Finchley and Acton Yochien School
0.5 mi
Good
St Mary's CofE Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Kisharon School
0.6 mi
Good

4 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

102 Holders Hill Road
-
£730k
-
104 Holders Hill Road
-
£740k
-
106 Holders Hill Road
-
£575k
-
104 Holders Hill Road
-
£458k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN