Flat 4, 95 Cadogan Gardens, London, SW3 2RE

UPRN:217008580Flat/MaisonetteBeds -Built before 1900

Tenure: -Council Tax: Band GEPC: C (70)

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

Flat 4, 95 Cadogan Gardens, London, SW3 2RE

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£1,737,000

£1.39M - £2.08MLow

Estimate

£1.74M

Range

£1.39M – £2.08M

Rent Estimate (pcm)

£7,900

£7k - £9k

Monthly

£7,900

Yield

5.50%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 61/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (62/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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

61/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

83/ 100

Elevated

Walkability

62/ 100

Moderate

Transit & Bike

Transit 67Bike 62

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics3.4/40
gross yield 5.5%; range width penalty ×0.86
- valuation_snapshotsrent estimate 7900/mo (range 7200-8550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,601/mo, -20% 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 5 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
190 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£1,725,000

At the asking price

Monthly rent£7,900/mo

Evidenced range £7,200-£8,550

Interest rate5.4%

Loan to value75%

Cash required: £639,550
Net cash flow: -£353/mo
Cash on cash: -0.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.36 - 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_snapshotsrent estimate 7900/mo (range 7200-8550)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 7900/mo (range 7200-8550)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£1,737,000

Rent Estimate (pcm)£7,900

Gross Yield5.50%

1y Growth-

3y Growth-9.5%

5y Growth-4.5%

10y Growth-2.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SW3 2RE

Approval Rate

-12mo

Development

low

26/07307/LBC
Internal refurbishment work.
Pending
26/07305/FULL
Installation of an external condenser at roof level and internal insulation, replacement sashes and crittall windows/doors. Internal alterations.
Pending
26/07295/TCA
Magnolia in the rear garden- Reduce crown by 1.5 Metres on North, west and southern aspects Lift crown to a height of 3 Metres from ground level This tree has a twin stem that twist across each other, with a bark inclusion at the division, reducing the crown will reduce forces at the division reducing the risk of the tree failing at this point during storm condition. In addition the tree has out grown its position in the small garden and the crown reduction would be in keeping with the character and dimensions of the garden
Pending

View Planning Timeline

Ownership

Corporate Ownership32.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£46,690

Population Density-

Owner Occupied37%

Age Distribution

0-15 12%16-64 73%65+ 15%

View Area Profile

Schools Nearby

Sussex House School
0.0 mi
Inspected by ISI
St. Thomas More Language College
0.1 mi
Inspected as Saint Thomas More Language College (URN 100502) on 24 May 2022
St Joseph's Catholic Primary School
0.1 mi
Outstanding
Knightsbridge School
0.1 mi
Inspected by ISI

2 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

89 Cadogan Gardens
-
£2.77M
-
97 Cadogan Gardens
-
£399k
-
91 Cadogan Gardens
-
£1.57M
-
97 Cadogan Gardens
-
£4.50M
-

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