39 Cholmley Gardens, London, NW6 1AH

UPRN:5034159Flat/Maisonette5 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band FEPC: F (24)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£998,000

£948k - £1.05MHigh

Estimate

£998k

Range

£948k – £1.05M

Rent Estimate (pcm)

£3,500

£3k - £4k

Monthly

£3,500

Yield

4.54%

Verdict

Derived from HomePortfolio scores

39 Cholmley Gardens earns an INVESTIGATE rating with HP Score 78/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (94/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

94/ 100

Excellent

Transit & Bike

Transit 70Bike 67

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£925,000

At the asking price

Monthly rent£3,500/mo

Evidenced range £3,100-£3,850

Interest rate5.4%

Loan to value75%

Cash required: £315,050
Net cash flow: -£699/mo
Cash on cash: -2.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.12 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£998,000

Rent Estimate (pcm)£3,500

Gross Yield4.54%

1y Growth-

3y Growth+0.1%

5y Growth-0.8%

10y Growth+0.0%

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

0NW6 1AH

Approval Rate

-12mo

Development

low

2026/4825/T
FRONT GARDEN: 1 x Ash (T1) - Reduce back to holistic reduction points, (3m) in order to prevent failure of branches over public footpath and communal gardens. 1 x Plum & 1 x Amelanchier (G1) - Reduce back to previous pruning points, (1m -1.5m) in order to prevent overhang over public footpath and excessive shading to lower ground windows of property. REAR GARDEN: (T2) Indian Bean - Reduce overhang over the garages by up to 3m in order to prevent failure of tree or branches. 4 x Laurel (G2) - Trim lateral spread by up to 0.5m and reduce height by approx. 1m to prevent excessive shading to rear of property.
Pending
2026/4123/P
Replacement of entrance lobby.
Pending
2026/4772/T
DD 5 Day Notice REAR GARDEN: 1 x Sycamore (T1) - Fell to ground level.
Pending

View Planning Timeline

Ownership

Corporate Ownership57.8%
Overseas OwnershipNo
Lease Term Remaining100 yrs
CovenantsNone
Lease TypeLeasehold
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£44,088

Population Density-

Owner Occupied40%

Age Distribution

0-15 17%16-64 72%65+ 11%

View Area Profile

Schools Nearby

Emmanuel Church of England Primary School
0.2 mi
GoodImproving
West Hampstead Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Luke's Church of England School
0.3 mi
Good
Hampstead School
0.4 mi
GoodConcerns

3 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

42 Cholmley Gardens
-
£830k
-
54 Cholmley Gardens
-
£1.35M
-
43 Cholmley Gardens
-
£1.03M
-
52 Cholmley Gardens
-
£1.15M
-

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