Flat 49, Swan Court, Chelsea Manor Street, London, SW3 5RX

UPRN:217095483Flat/MaisonetteBeds -Built 1900-1929

LeaseholdCouncil Tax: -EPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoOwnership· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

Flat 49, Swan Court, Chelsea Manor Street, London, SW3 5RX

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

18 of 21 sources

Sale Estimate

£929,000

£744k - £1.11MLow

Estimate

£929k

Range

£744k – £1.11M

Rent Estimate (pcm)

£4,200

£4k - £5k

Monthly

£4,200

Yield

7.75%

Verdict

Derived from HomePortfolio scores

Flat 49 earns an AVOID rating with HP Score 83/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

83/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

99/ 100

Excellent

Transit & Bike

Transit 58Bike 74

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 economics18.6/40
gross yield 7.8%; range width penalty ×0.84; the estimate this rent rides on sits 30% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 4200/mo (range 3850-4600)· as of 10 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin5.1/30
stressed cash flow +215/mo, +5% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity9.3/15
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£650,000

At the asking price

Monthly rent£4,200/mo

Evidenced range £3,850-£4,600

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: £714/mo
Cash on cash: 3.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.91 - 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 4200/mo (range 3850-4600)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 30% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 4200/mo (range 3850-4600)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£929,000

Rent Estimate (pcm)£4,200

Gross Yield7.75%

1y Growth+4.1%

3y Growth-9.5%

5y Growth-4.5%

10y Growth-2.4%

Last Sold Price£395,000 (2004-01-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SW3 5RX

Approval Rate

-12mo

Development

low

26/06486/FULL
Replacement of third floor front window with double glazing sash window; repair of historic windows; installation of two air conditioning condensing units within the rear garden; and internal refurbishment and reconfiguration, including replacement of later joinery and doors. (Linked with 26/06487/LBC)
Pending
26/06487/LBC
Replacement of third floor front window with double glazing sash window; repair of historic windows; installation of two air conditioning condensing units within the rear garden; and internal refurbishment and reconfiguration, including replacement of later joinery and doors. (Linked with 26/06486/FULL)
Pending
26/05794/LBC
Retention of the rear extension as built, including alterations to the height and roof build-up, and associated alterations to the upper part of the rear elevation, in association with previously approved works under listed building consent 22/02138/LBC.
Pending

View Planning Timeline