78 Thorpebank Road, London, W12 0PQ

UPRN:34015210Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band EEPC: C (70)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£811,000

£770k - £851kHigh

Estimate

£811k

Range

£770k – £851k

Rent Estimate (pcm)

£4,100

£4k - £4k

Monthly

£4,100

Yield

6.15%

Verdict

Derived from HomePortfolio scores

78 Thorpebank Road earns an INVESTIGATE rating with HP Score 83/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (93/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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)Defra 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

83/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

93/ 100

Excellent

Transit & Bike

Transit 47Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge0/15
claims [AVM +1.4% (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 34015210· as of 9 Oct 2026
Rental economics8.1/40
gross yield 6.2%; range width penalty ×0.88
- valuation_snapshotsrent estimate 4100/mo (range 3800-4450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -492/mo, -12% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 233 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 30 Oct 2026
Risk & liquidity14.6/15
287 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

£600,000£920,000

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£800,000

At the asking price

Monthly rent£4,100/mo

Evidenced range £3,800-£4,450

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: £138/mo
Cash on cash: 0.6%
Score at this price: 23

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.52 - 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 34015210Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 4100/mo (range 3800-4450)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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
Rental economics needs verification before you rely on it
rent estimate 4100/mo (range 3800-4450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 233 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£811,000

Rent Estimate (pcm)£4,100

Gross Yield6.15%

1y Growth+15.1%

3y Growth-7.7%

5y Growth-4.3%

10y Growth+0.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0W12 0PQ

Approval Rate

-12mo

Development

low

P/2026/02666/FUL
Erection of a gazebo (measuring 10m x 15m) within the external courtyard at ground floor level (lower forecourt), for a temporary period between 11th November 2026 - 30th December 2026.
Pending
P/2026/02670/CLE
Retrospective application for the incorporation of a former publicly accessible communal washroom into a kitchen within Flat 66 Phipps House at first floor level.
Pending
P/2026/02657/FUL
Erection of a single storey modular building to be used as a Clinical Trials Unit (CTU), within the existing car parking area.
Pending

View Planning Timeline

Ownership

Corporate Ownership56.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£42,811

Population Density-

Owner Occupied33%

Age Distribution

0-15 19%16-64 69%65+ 12%

View Area Profile

Schools Nearby

Wormholt Park Primary School
0.2 mi
GoodConcerns
Ormiston Queensmill Academy
0.2 mi
Good
Cambridge School
0.2 mi
-
Phoenix Academy
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

98 Thorpebank Road
-
£926k
-
80 Thorpebank Road
-
£805k
-
56 Thorpebank Road
-
£890k
-
4 Thorpebank Road
-
£885k
-

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