Flat A 2nd and 3rd Floor, 109 King's Cross Road, London, WC1X 9LR

UPRN:5172457Flat/Maisonette2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band DEPC: D (63)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

Flat A 2nd and 3rd Floor, 109 King's Cross Road, London, WC1X 9LR

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

16 of 21 sources

Sale Estimate

£761,000

£685k - £838kMedium

Estimate

£761k

Range

£685k – £838k

Rent Estimate (pcm)

£3,550

£3k - £4k

Monthly

£3,550

Yield

5.16%

Verdict

Derived from HomePortfolio scores

Flat A 2nd and 3rd Floor earns an INVESTIGATE rating with HP Score 67/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (96/100). 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 listingsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

78/ 100

Elevated

Walkability

96/ 100

Excellent

Transit & Bike

Transit 100Bike 79

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

2 live adverts with different prices, types or bedrooms on one UPRN (£350,000-£825,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£825,000

At the asking price

Monthly rent£3,550/mo

Evidenced range £3,250-£3,850

Interest rate5.4%

Loan to value75%

Cash required: £280,050
Net cash flow: -£327/mo
Cash on cash: -1.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.27 - clears 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£761,000

Rent Estimate (pcm)£3,550

Gross Yield5.16%

1y Growth-

3y Growth+6.2%

5y Growth+3.8%

10y Growth+8.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0WC1X 9LR

Approval Rate

-12mo

Development

low

P2026/2857/FUL
Proposed window replacement. Removal of existing first floor rear extension. Extension and changes to the existing ground floor rear extension. New kitchen, bathroom and ensuite. Addition of internal insulated wall lining, solar roof panels, ASHP & battery [Listed Building Consent reference: P2026/2856/LBC also submitted].
Pending
P2026/2856/LBC
Proposed window replacement. Removal of existing first floor rear extension. Extension and changes to the existing ground floor rear extension. New kitchen, bathroom and ensuite. Addition of internal insulated wall lining, solar roof panels, ASHP & battery [Full planning application reference P2026/2857/FUL also submitted].
Pending
2026/4793/P
Details pursuant to condition 3 (Crossrail 2 Infrastructure), Part 4 (Substructure elements associated with TfL areas) of planning permission 2022/1041/P dated 17/07/2024 (for Demolition of the British Library Centre for Conservation, alterations to the British Library and erection of a new building)
Pending

View Planning Timeline