Flat 2, 89 Cambridge Gardens, London, W10 6JE

UPRN:217010475Converted Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: Band DEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 2, 89 Cambridge Gardens, London, W10 6JE

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£576,000

£461k - £691kLow

Estimate

£576k

Range

£461k – £691k

Rent Estimate (pcm)

£2,550

£2k - £3k

Monthly

£2,550

Yield

3.82%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 66/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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 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

66/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

81/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 64Bike 72

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 economics0/40
gross yield 3.8%; range width penalty ×0.85
- valuation_snapshotsrent estimate 2550/mo (range 2300-2750)· as of 31 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,631/mo, -64% 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
Risk & liquidity9.3/15
129 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£800,000

At the asking price

Monthly rent£2,550/mo

Evidenced range £2,300-£2,750

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: -£935/mo
Cash on cash: -4.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - 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_snapshotsrent estimate 2550/mo (range 2300-2750)Rental economics · as of 31 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2550/mo (range 2300-2750)

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£576,000

Rent Estimate (pcm)£2,550

Gross Yield3.82%

1y Growth-

3y Growth-5.9%

5y Growth-2.9%

10y Growth-0.6%

Last Sold Price£146,500 (2001-04-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

1W10 6JE

Approval Rate

100%12mo

Development

low

26/07377/NMA
Amendments to planning permission dated 2nd October 2025 (RN 25/04018/FULL) for the Partial demolition, refurbishment, and erection of a mansard roof extension to form a new third floor with dormers to front, side and rear elevations; to form 6 flats (Class C3) on upper floors; external plant equipment and ductwork; lower ground floor excavation to increase floor to ceiling height; replacement windows; cycle parking and associated external alterations; use of the part ground floor and lower ground floor as retail and restaurant (Class E). Site includes 60-68 Ledbury Road) NAMELY, An amendment to the basement and ground floor drawing reference numbers; amendment to the description of development, in reference to restaurant and or retail use; and amendments to C
Pending
P/2026/02674/DET
Discharge of Condition 51 (Stopped Vehicles at-grade) of Planning Permission (ref: 2023/01965/VAR) dated 21 August 2024.
Pending
26/07081/FULL
Replacement of existing concrete interlocking roof tiles with new Cedral slate roof tiles.
Pending

View Planning Timeline

Ownership

Corporate Ownership57%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2001-04-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£46,690

Population Density11,850 /km²

Owner Occupied27%

Age Distribution

0-15 11%16-64 75%65+ 14%

View Area Profile

Schools Nearby

Bassett House School
0.1 mi
Inspected by ISI
All Saints Catholic College
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
La Petite Ecole Francaise
0.1 mi
Inspected by ISI
Oxford Gardens Primary School
0.2 mi
Good

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

View All Schools

Comparables

View All

85 Cambridge Gardens
-
£208k
-
81 Cambridge Gardens
-
£650k
-
81 Cambridge Gardens
-
£760k
-
95 Cambridge Gardens
-
£398k
-

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