Flat 4, 47 Palace Gardens Terrace, London, W8 4SB

UPRN:217063853Converted Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: C (75)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 4, 47 Palace Gardens Terrace, London, W8 4SB

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£960,000

£768k - £1.15MLow

Estimate

£960k

Range

£768k – £1.15M

Rent Estimate (pcm)

£3,900

£4k - £4k

Monthly

£3,900

Yield

5.23%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 80/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (97/100). 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

80/ 100

Strong

Investment Score

71/ 100

High

Crime Score

42/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 74Bike 75

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 economics1.5/40
gross yield 5.2%; range width penalty ×0.82
- valuation_snapshotsrent estimate 3900/mo (range 3500-4250)· as of 9 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 5 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,039/mo, -27% 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
157 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£895,000

At the asking price

Monthly rent£3,900/mo

Evidenced range £3,500-£4,250

Interest rate5.4%

Loan to value75%

Cash required: £304,550
Net cash flow: -£321/mo
Cash on cash: -1.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.29 - 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 3900/mo (range 3500-4250)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 5 Nov 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

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 3900/mo (range 3500-4250)

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£960,000

Rent Estimate (pcm)£3,900

Gross Yield5.23%

1y Growth-

3y Growth-15.4%

5y Growth-10.5%

10y Growth-6.3%

Last Sold Price£635,000 (2007-05-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0W8 4SB

Approval Rate

-12mo

Development

low

26/07315/FULL
Relocation of air conditioning units throughout to the lower ground floor lightwells within aluminium enclosure; replacement of all pipes with cast iron pipes; alteration to balconies including replacement of UPVC door with original door arrangement and replacement railing; reopening of previously infilled windows; replacement marble tiles at hallway of No.32 with Victorian floor tiles; replacement of all doors facing the communal staircase with the correct period style doors; removal of red clay tile leanto roof at first floor rear and the roof made good; removal of link bridges to the rear of the second floor and the rear of the third floor; and reopening of previously infilled windows to the stairs lobby at ground, first and second floor to No.30. (Linked with 26/07316/LBC)
Pending
26/07316/LBC
Relocation of air conditioning units throughout to the lower ground floor lightwells within aluminium enclosure; replacement of all pipes with cast iron pipes; alteration to balconies including replacement of UPVC door with original door arrangement and replacement railing; reopening of previously infilled windows; replacement marble tiles at hallway of No.32 with Victorian floor tiles; replacement of all doors facing the communal staircase with the correct period style doors; removal of red clay tile leanto roof at first floor rear and the roof made good; removal of link bridges to the rear of the second floor and the rear of the third floor; and reopening of previously infilled windows to the stairs lobby at ground, first and second floor to No.30. (Linked with 26/07315/FULL)
Pending
26/07268/P3JPA
Prior Approval for the conversion of existing ground-floor commercial/business/service space (Use Class E) to Class C3 use, together with internal layout changes, to form 1no. two-bedroom flat under Class MA, Part 3, Schedule 2 of the Town and Country Planning (General Permitted Development) Order 2015 (as amended).
Pending

View Planning Timeline