46 Northumberland Road, New Barnet, Barnet, EN5 1ED

UPRN:200086780Semi-Detached House6 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band GEPC: C (74)

Data freshness:Listing· freshPrice Paid· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

46 Northumberland Road, New Barnet, Barnet, EN5 1ED

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£1,676,000

£1.59M - £1.76MHigh

Estimate

£1.68M

Range

£1.59M – £1.76M

Rent Estimate (pcm)

£6,100

£5k - £7k

Monthly

£6,100

Yield

4.58%

Verdict

Derived from HomePortfolio scores

46 Northumberland Road earns an INVESTIGATE rating with HP Score 80/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (67/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

67/ 100

Moderate

Transit & Bike

Transit 37Bike 50

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 edge0/15
claims [AVM +4.5% (HIGH), sold-comps -50.0%, £/sqft -50.0%] → 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 200086780· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.5%· as of 27 Oct 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.77
- valuation_snapshotsrent estimate 6100/mo (range 5450-6750)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,396/mo, -39% 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), 166 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
259 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

£1,200,000£1,840,000

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£1,600,000

At the asking price

Monthly rent£6,100/mo

Evidenced range £5,450-£6,750

Interest rate5.4%

Loan to value75%

Cash required: £587,050
Net cash flow: -£1,177/mo
Cash on cash: -2.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - 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 200086780Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.5%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 6100/mo (range 5450-6750)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

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 6100/mo (range 5450-6750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 166 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£1,676,000

Rent Estimate (pcm)£6,100

Gross Yield4.58%

1y Growth-29.7%

3y Growth+1.7%

5y Growth-0.6%

10y Growth+1.6%

Last Sold Price£620,000 (2012-03-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2EN5 1ED

Approval Rate

-12mo

Development

low

26/3911/FUL
Erection of a single storey dwelling following demolition of the existing garages. Associated landscaping, refuse/recycling/cycle storage and amenity space
Pending
26/3918/FUL
Change of use of existing dwellinghouse (Use Class C3) to a residential care home (Use Class C2) accommodating up to two adult residents, together with associated internal alterations and additional off-street parking spaces and cycle parking
Pending
26/3920/NOT
Notification of change of use from current Sui-generis use to a fresh fish shop (for the retail sale of raw fish and seafood) under Use Class E, which will take place on 2 November 2026
Pending

View Planning Timeline