Flat 5, 20 Palace Gardens Terrace, London, W8 4RP

UPRN:217064033Flat/Maisonette2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band EEPC: D (67)

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

Flat 5, 20 Palace Gardens Terrace, London, W8 4RP

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£2,001,000

£1.90M - £2.10MHigh

Estimate

£2.00M

Range

£1.90M – £2.10M

Rent Estimate (pcm)

£8,100

£7k - £9k

Monthly

£8,100

Yield

4.98%

Verdict

Derived from HomePortfolio scores

Flat 5 earns an INVESTIGATE rating with HP Score 85/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is very low. 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

85/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

97/ 100

Excellent

Transit & Bike

Transit 65Bike 70

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 +2.5% (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 217064033· as of 9 Oct 2026
Rental economics0/40
gross yield 5.0%; range width penalty ×0.83
- valuation_snapshotsrent estimate 8100/mo (range 7350-8850)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,403/mo, -30% 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
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
157 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

£1,462,500£1,998,500

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£1,950,000

At the asking price

Monthly rent£8,100/mo

Evidenced range £7,350-£8,850

Interest rate5.4%

Loan to value75%

Cash required: £734,050
Net cash flow: -£974/mo
Cash on cash: -1.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - 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_snapshotsestimate for 217064033Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 8100/mo (range 7350-8850)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
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 8100/mo (range 7350-8850)
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. 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£2,001,000

Rent Estimate (pcm)£8,100

Gross Yield4.98%

1y Growth+390.1%

3y Growth-15.4%

5y Growth-10.5%

10y Growth-6.3%

Last Sold Price£1,635,000 (2013-01-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

5W8 4RP

Approval Rate

100%12mo

Development

low

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
26/07315/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
26/07158/FULL
Replacement of the existing shopfront, installation of a new double glazed doors and side windows and new separate entrance to the flats above.
Pending

View Planning Timeline

Ownership

Corporate Ownership36.4%
Overseas OwnershipNo
Lease Term Remaining235 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2013-01-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£46,690

Population Density8,144 /km²

Owner Occupied53%

Age Distribution

0-15 13%16-64 70%65+ 17%

View Area Profile

Schools Nearby

Fox Primary School
0.2 mi
Outstanding
St Mary Abbots CofE Primary School
0.3 mi
Good
Ashbourne College
0.3 mi
Outstanding
Holland Park School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

16 Palace Gardens Terrace
-
£1.12M
-
24 Palace Gardens Terrace
-
£865k
-
16 Palace Gardens Terrace
-
£1.79M
-
40 Palace Gardens Terrace
-
£875k
-

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