Flat 2, 13 St Charles Square, London, W10 6EF

UPRN:217080042Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: C (76)

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

Flat 2, 13 St Charles Square, London, W10 6EF

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

£698,000

£663k - £733kHigh

Estimate

£698k

Range

£663k – £733k

Rent Estimate (pcm)

£3,050

£3k - £3k

Monthly

£3,050

Yield

5.23%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 76/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (98/100). 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

76/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

42/ 100

Elevated

Walkability

98/ 100

Excellent

Transit & Bike

Transit 68Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -0.3% (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 217080042· as of 9 Oct 2026
Rental economics1.5/40
gross yield 5.2%; range width penalty ×0.84
- valuation_snapshotsrent estimate 3050/mo (range 2800-3350)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -966/mo, -32% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 6 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
129 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

£525,000£805,000

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£700,000

At the asking price

Monthly rent£3,050/mo

Evidenced range £2,800-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: -£251/mo
Cash on cash: -1.3%
Score at this price: 16

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_snapshotsestimate for 217080042Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3050/mo (range 2800-3350)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 3050/mo (range 2800-3350)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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£698,000

Rent Estimate (pcm)£3,050

Gross Yield5.23%

1y Growth-

3y Growth-5.9%

5y Growth-2.9%

10y Growth-0.6%

Last Sold Price£638,000 (2014-01-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1W10 6EF

Approval Rate

-12mo

Development

low

26/07328/LBC
Installation of a temporary, reversible, full-height acoustic partition within the existing ground-floor nursery classroom, incorporating minimal fixings and protective perimeter detailing to preserve historic fabric.
Pending
26/07292/TCA
(T1) Sycamore (Acer pseudoplatanus). This medium/large tree is in good health but is outgrowing its location. It is growing in a raised bed with the bole touching the rear boundary wall and the right hand boundary wall. In keeping with good arboricultural management and to create a tree more suited to its environment requested works are; Reduce crown by up to 3.5 metres, back to previous points of reduction. Remove all dead, diseased and dying branches.
Pending
26/07221/CLEUD
Confirmation of the lawful existing Use of Unit A, 31 Fermoy Road as a 4-bedroom HMO (Class C4).
Pending

View Planning Timeline

Ownership

Corporate Ownership57%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2014-01-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£46,690

Population Density21,490 /km²

Owner Occupied22%

Age Distribution

0-15 15%16-64 72%65+ 13%

View Area Profile

Schools Nearby

All Saints Catholic College
0.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Charles Catholic Sixth Form College
0.1 mi
-
St Charles Catholic Primary School
0.1 mi
Good
Chelsea Community Hospital School
0.1 mi
Outstanding

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

View All Schools

Comparables

View All

17A St Charles Square
-
£630k
-
5 St Charles Square
-
£260k
-
9 St Charles Square
-
£695k
-
7B - 7C St Charles Square
-
£273k
-

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