41 Palmer Road, London, E13 8NU

UPRN:46055845End Terrace House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band CEPC: D (55)

Data freshness:Listing· freshPlanning· 1mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

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

£481,000

£433k - £529kMedium

Estimate

£481k

Range

£433k – £529k

Rent Estimate (pcm)

£2,700

£3k - £3k

Monthly

£2,700

Yield

7.62%

Verdict

Derived from HomePortfolio scores

41 Palmer Road earns an INVESTIGATE rating with HP Score 75/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (87/100). 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 NationsMarket 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

75/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

36/ 100

Elevated

Walkability

87/ 100

Excellent

Transit & Bike

Transit 51Bike 72

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 6 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +11.6% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 46055845· as of 9 Nov 2026
Rental economics20.5/40
gross yield 7.6%; range width penalty ×0.98
- valuation_snapshotsrent estimate 2700/mo (range 2550-2850)· as of 9 Nov 2026· verify before relying on this
Stress margin2.3/30
stressed cash flow +62/mo, +2% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 377 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 6 Nov 2026
Risk & liquidity12.8/15
211 sales/12mo in area; valuation range width 20%
- 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 sensitivityScores 70+ up to £319,000

£319,000£488,500

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£425,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,550-£2,850

Interest rate5.4%

Loan to value75%

Cash required: £140,050
Net cash flow: £435/mo
Cash on cash: 3.7%
Score at this price: 36

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.88 - 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 46055845Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2700/mo (range 2550-2850)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 2700/mo (range 2550-2850)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 377 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £319,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£481,000

Rent Estimate (pcm)£2,700

Gross Yield7.62%

1y Growth-

3y Growth-0.4%

5y Growth+1.0%

10y Growth+2.2%

Last Sold Price£218,000 (2010-11-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2E13 8NU

Approval Rate

100%12mo

Development

low

26/02301/HH
Erection of two storey rear extension and loft conversion with a rear dormer and installation of three front skylights
Pending
26/02154/FUL
Change of use from a single family dwellinghhouse (Use Class C3) to a small House in Multiple Occupation (Use Class C4) including the provision of waste and recycling storage within the front garden and bike storage within the rear garden.
Pending
26/02153/FUL
Change of use of existing dwellinghouse (Use Class C3) to a small House in Multiple Occupation (Use Class C4) for up to 6 residents, including associated cycle storage and refuse/recycling storage.
Pending

View Planning Timeline

Ownership

Corporate Ownership65.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2010-11-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,080

Population Density10,347 /km²

Owner Occupied32%

Age Distribution

0-15 24%16-64 69%65+ 7%

View Area Profile

Schools Nearby

Kaizen Primary School
0.1 mi
Outstanding
Cumberland Community School
0.3 mi
Good
Ravenscroft Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Tollgate Primary School
0.3 mi
Outstanding

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

69 Palmer Road
-
£185k
-
45 Palmer Road
-
£335k
-
79 Palmer Road
-
£410k
-
35 Palmer Road
-
£411k
-

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