Flat 2nd Floor, 120 Highgate Road, London, NW5 1PB

UPRN:5094538Flat/MaisonetteBeds -Built before 1900

Tenure: -Council Tax: Band CEPC: D (56)

Data freshness:Listing· freshPrice Paid· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

Flat 2nd Floor, 120 Highgate Road, London, NW5 1PB

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

20 of 21 sources

Sale Estimate

£643,000

£579k - £708kMedium

Estimate

£643k

Range

£579k – £708k

Rent Estimate (pcm)

£2,950

£3k - £3k

Monthly

£2,950

Yield

5.17%

Verdict

Derived from HomePortfolio scores

Flat 2nd Floor earns an INVESTIGATE rating with HP Score 70/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (93/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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

70/ 100

Mixed

Investment Score

72/ 100

High

Crime Score

68/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 76Bike 79

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -6.5% (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 Oct 2026
- valuation_snapshotsestimate for 5094538· as of 9 Oct 2026
Rental economics1.2/40
gross yield 5.2%; range width penalty ×0.86
- valuation_snapshotsrent estimate 2950/mo (range 2700-3200)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -852/mo, -29% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 424 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 4 Nov 2026
Risk & liquidity12.8/15
213 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 sensitivity

£514,000£787,500

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£685,000

At the asking price

Monthly rent£2,950/mo

Evidenced range £2,700-£3,200

Interest rate5.4%

Loan to value75%

Cash required: £231,050
Net cash flow: -£270/mo
Cash on cash: -1.4%
Score at this price: 14

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 5094538Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2950/mo (range 2700-3200)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 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 2950/mo (range 2700-3200)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£643,000

Rent Estimate (pcm)£2,950

Gross Yield5.17%

1y Growth-33.3%

3y Growth-1.4%

5y Growth-0.6%

10y Growth-0.4%

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

4NW5 1PB

Approval Rate

100%12mo

Development

low

2026/4819/T
FRONT GARDEN: 1 x Ceanothus (T4) - Lift overhanging branches away from privet hedge, creating 1m clearance.
Pending
2026/4814/T
REAR GARDEN: 1 x Birch (T1) - Reduce branches overhanging rear neighbour back to boundary, approx. 1m reduction and reduce height by approx. 1m to match other birch tree, shaping top edge of crown to balance shape. 1 x Birch (T2) - Reduce branches overhanging rear neighbour back to boundary, approx. 1m reduction. FRONT GARDEN: 1 x Privet hedge (T3) - Trim top with hedge cutters to promote denser growth.
Pending
2026/4800/T
FRONT GARDEN: 1 x Cotinus (T1) - Raise crown over the pavement to approx. 2.2m to ensure obstruction is avoided. Reduce crown back to previous and most recent reduction points, approx. 1.2m - 1.5m to produce a more compact crown. Thin crown density by approx. 20%. 1 x Amelanchier (T2) - Formative prune by reducing leader stems by approx. 1m, to produce a more even crown height line. Tip prune, reducing by up to 0.3m to shape. REAR GARDEN: 1 x Hoheria (T4) - Reduce crown height by approx. 1m - 1.2m. Thin crown density by approx. 25% by means of removing overcrowded stems. Trim sides hard back, up to approx. 0.7m whilst preserving as much fine structure on the branch ends. Raise crown by up to 0.5m, ensuring low screen is preserved whilst viewing the tree from the ground floor level.
Pending

View Planning Timeline

Ownership

Corporate Ownership58.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£44,088

Population Density6,776 /km²

Owner Occupied39%

Age Distribution

0-15 16%16-64 72%65+ 12%

View Area Profile

Schools Nearby

Parliament Hill School
0.2 mi
OutstandingImproving
Gospel Oak Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Acland Burghley School
0.3 mi
Good
William Ellis School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

110 Highgate Road
-
£660k
-
112 Highgate Road
-
£700k
-
110 Highgate Road
-
£700k
-
114B Highgate Road
-
£300k
-

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