Flat 4, 813 Harrow Road, London, NW10 5NJ

UPRN:202225002Converted Flat2 bedsBuilt -

LeaseholdCouncil Tax: Band CEPC: -

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

Flat 4, 813 Harrow Road, London, NW10 5NJ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£457,000

£434k - £480kHigh

Estimate

£457k

Range

£434k – £480k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

5.29%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 73/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (95/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal 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

73/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

39/ 100

Elevated

Walkability

95/ 100

Excellent

Transit & Bike

Transit 55Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -1.8% (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 202225002· as of 9 Oct 2026
Rental economics2.1/40
gross yield 5.3%; range width penalty ×0.91
- valuation_snapshotsrent estimate 2050/mo (range 1900-2200)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -585/mo, -29% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 288 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 4 Nov 2026
Risk & liquidity14.6/15
474 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

£349,000£535,000

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£465,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,900-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £154,050
Net cash flow: -£150/mo
Cash on cash: -1.2%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.31 - 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 202225002Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2050/mo (range 1900-2200)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 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 2050/mo (range 1900-2200)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£457,000

Rent Estimate (pcm)£2,050

Gross Yield5.29%

1y Growth-

3y Growth-5.8%

5y Growth+0.0%

10y Growth+1.1%

Last Sold Price£375,000 (2019-09-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0NW10 5NJ

Approval Rate

-12mo

Development

low

26/2686
Removal of the existing rear dormer and rooflights and proposed rear dormer extension, dormer extension to the rear outrigger with 1x rooflight to the flat roof of dormer, and installation of 2x front rooflights to first-floor flat
Pending
26/2664
Demolition and rebuild of existing dwellinghouse including retention of front facade, erection of single-storey side-to-rear extension, rear dormer extension with juliet balcony, dormer extension to rear outrigger, roof terrace with privacy screening to rear outrigger, replacement of windows to front and rear, installation of 3x front rooflights, soft and hard landscaping to front and rear including rear patio,refuse storage to front and new brick boundary walls to front and side to dwellinghouse
Pending
26/2626
Demolition of rear stores, conversion of 3x self-contained flats into single dwellinghouse, two storey rear extension, rear dormer extension, replacement of 1x window to first floor rear elevation, erection of rear terrace and steps, creation of balcony to rear elevation, conversion of existing rear store to studio space and cycle storage, bin storage to front, associated landscaping and provision of 1x off-street parking space with existing crossover to front.
Pending

View Planning Timeline

Ownership

Corporate Ownership57.8%
Overseas OwnershipNo
Lease Term Remaining116 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-09-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,871

Population Density-

Owner Occupied30%

Age Distribution

0-15 17%16-64 69%65+ 14%

View Area Profile

Schools Nearby

Kenmont Primary School
0.1 mi
Good
Furness Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Newman Catholic College
0.4 mi
Good
Princess Frederica CofE Primary School
0.4 mi
GoodConcerns

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

829 Harrow Road
-
£450k
-
811 - 813 Harrow Road
-
£35k
-
815 Harrow Road
-
£545k
-
811 Harrow Road
-
£140k
-

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