45 Totteridge Lane, London, N20 0HD

UPRN:200118514Semi-Detached House3 bedsBuilt 2026

FreeholdCouncil Tax: Band EEPC: D (63)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£724,000

£688k - £760kHigh

Estimate

£724k

Range

£688k – £760k

Rent Estimate (pcm)

£2,650

£2k - £3k

Monthly

£2,650

Yield

4.71%

Verdict

Derived from HomePortfolio scores

45 Totteridge Lane earns an INVESTIGATE rating with HP Score 81/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (79/100). 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

81/ 100

Strong

Investment Score

73/ 100

High

Crime Score

22/ 100

Moderate

Walkability

79/ 100

High

Transit & Bike

Transit 80Bike 62

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£675,000

At the asking price

Monthly rent£2,650/mo

Evidenced range £2,350-£2,900

Interest rate5.4%

Loan to value75%

Cash required: £227,550
Net cash flow: -£444/mo
Cash on cash: -2.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.16 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£724,000

Rent Estimate (pcm)£2,650

Gross Yield4.71%

1y Growth-

3y Growth+6.7%

5y Growth-0.1%

10y Growth+2.9%

Last Sold Price£680,000 (2021-07-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0N20 0HD

Approval Rate

-12mo

Development

low

26/3986/CON
Submission of details of condition 6 (Acoustic Report) pursuant to planning permission 25/3009/FUL dated 21/11/25
Pending
TPP/0690/26
2 x Sycamore (applicants ref. T1, T2) - Cut back from adjacent building by approximately 2m. Standing in Area A1 of Tree Preservation Order.
Pending
TPP/0668/26
1 x Mature Lime Tree (aplicants ref. T1) - Reduce crown by approximately 2.5-3m, carefully reducing the height and lateral spread of the canopy. Selectively thin areas of excessive and congested growth where appropriate 10-15%, removing crossing, rubbing and poorly positioned branches to improve the overall crown structure. Cut back and remove dead, diseased and defective wood. Lift the lower crown by approximately 2-2.5m. Standing in T206 of Tree Preservation Order.
Pending

View Planning Timeline