Flat 11, Stuart Court, 381–383 Nether Street, London, N3 1JP

UPRN:200084534Flat/Maisonette2 bedsBuilt 1950-1966

Shared ownershipCouncil Tax: -EPC: C (70)

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

Flat 11, Stuart Court, 381–383 Nether Street, London, N3 1JP

HP Score

/ 100

Mixed

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£397,000

£377k - £417kHigh

Estimate

£397k

Range

£377k – £417k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

4.13%

Verdict

Derived from HomePortfolio scores

Flat 11 earns an INVESTIGATE rating with HP Score 73/100. Investment score 77/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is good (82/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is shared ownership. 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)Defra 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

77/ 100

High

Crime Score

59/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 59Bike 65

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge-1.6/15
claims [AVM -13.4% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 200084534· as of 9 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1550/mo (range 1450-1700)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -889/mo, -57% 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
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
188 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£446/mo
Cash on cash: -3.6%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - below 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 200084534Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1700)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 1550/mo (range 1450-1700)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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. 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£397,000

Rent Estimate (pcm)£1,550

Gross Yield4.13%

1y Growth-

3y Growth-1.9%

5y Growth-0.5%

10y Growth+0.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0N3 1JP

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
26/3874/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
26/3873/192
Roof extension involving hip to gable, rear dormer window, 3no. rooflights and new side gable window
Pending

View Planning Timeline

Ownership

Corporate Ownership48.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeShared ownership
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,239

Population Density-

Owner Occupied38%

Age Distribution

0-15 18%16-64 71%65+ 11%

View Area Profile

Schools Nearby

St Mary's CofE Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Pardes House Grammar School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Pardes House Primary School
0.4 mi
Report card2025
Ofsted no longer awards a single overall grade.
Finchley and Acton Yochien School
0.4 mi
Good

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Stuart Court Nether Street
-
£355k
-
Stuart Court Nether Street
-
£368k
-
Stuart Court Nether Street
-
£17k
-
Stuart Court Nether Street
-
£300k
-

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