4 Churchill Avenue, Harrow, HA3 0AY

UPRN:202114289Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band EEPC: D (65)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£692,000

£657k - £726kHigh

Estimate

£692k

Range

£657k – £726k

Rent Estimate (pcm)

£3,150

£3k - £3k

Monthly

£3,150

Yield

5.64%

Verdict

Derived from HomePortfolio scores

4 Churchill Avenue earns an INVESTIGATE rating with HP Score 58/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (76/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

62/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

76/ 100

High

Transit & Bike

Transit 53Bike 63

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 +3.2% (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 202114289· as of 9 Oct 2026
Rental economics4.4/40
gross yield 5.6%; range width penalty ×0.85
- valuation_snapshotsrent estimate 3150/mo (range 2900-3450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -641/mo, -20% 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), 158 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
267 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

£502,500£770,500

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£670,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,900-£3,450

Interest rate5.4%

Loan to value75%

Cash required: £225,800
Net cash flow: -£80/mo
Cash on cash: -0.4%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - 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 202114289Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3150/mo (range 2900-3450)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 3150/mo (range 2900-3450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 158 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£692,000

Rent Estimate (pcm)£3,150

Gross Yield5.64%

1y Growth-

3y Growth+0.0%

5y Growth+1.2%

10y Growth+2.6%

Last Sold Price£148,375 (1998-09-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HA3 0AY

Approval Rate

-12mo

Development

low

26/2719
Demolition of existing open porch,rear garage and rear extension and proposed part single part two-storey side-to-rear extension and front porch extension to dwellinghouse
Pending
26/2687
Erection of single storey rear extension, conversion of garage into habitable space with conversion of garage door with window, replacement of existing roof tiles and white uPVC windows, 1x front rooflight and a single storey outbuilding in rear garden to dwellinghouse.
Pending
26/2669
Change of use from single dwellinghouse into 6x bed, 6x person HMO with conversion of garage into habitable room, erection of single-storey rear extension, hip-to-gable roof end, rear dormer extension and 2x front rooflights and refuse and cycle storages spaces and landscaping to front and rear gardens.
Pending

View Planning Timeline