Flat B, 14 Frognal Gardens, London, NW3 6UX

UPRN:5095178Flat/Maisonette3 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band HEPC: C (79)

Data freshness:Listing· freshPrice Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Flat B, 14 Frognal Gardens, London, NW3 6UX

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£2,003,000

£1.60M - £2.40MLow

Estimate

£2.00M

Range

£1.60M – £2.40M

Rent Estimate (pcm)

£8,100

£7k - £9k

Monthly

£8,100

Yield

5.72%

Verdict

Derived from HomePortfolio scores

Flat B earns an INVESTIGATE rating with HP Score 86/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (95/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

86/ 100

Strong

Investment Score

71/ 100

High

Crime Score

15/ 100

Low

Walkability

95/ 100

Excellent

Transit & Bike

Transit 47Bike 60

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 economics4.8/40
gross yield 5.7%; range width penalty ×0.83; the estimate this rent rides on sits 15% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 8100/mo (range 7350-8850)· as of 10 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 15% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,348/mo, -17% 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
Risk & liquidity9.2/15
380 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£1,700,000

At the asking price

Monthly rent£8,100/mo

Evidenced range £7,350-£8,850

Interest rate5.4%

Loan to value75%

Cash required: £629,050
Net cash flow: -£130/mo
Cash on cash: -0.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - 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 8100/mo (range 7350-8850)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 15% 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 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12mo

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 8100/mo (range 7350-8850)

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£2,003,000

Rent Estimate (pcm)£8,100

Gross Yield5.72%

1y Growth-

3y Growth-2.2%

5y Growth-0.4%

10y Growth+0.3%

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

3NW3 6UX

Approval Rate

100%12mo

Development

low

2026/4858/T
REAR GARDEN: 1 x Horse Chestnut (T1) - Fell to ground level.
Pending
2026/4853/T
DD 5 Day Notice REAR GARDEN: 1 x Oak (T1) - Fell to ground level.
Pending
2026/4860/T
REAR GARDEN: 2 x Lime (Tilia cordata) (G1) - Crown reduce back to previous by removing approx. 3m from all over, remove the epicormic growth around the main stems up to where the crown breaks.
Pending

View Planning Timeline