Flat 18, Crystal Wharf, 36 Graham Street, London, N1 8GH

UPRN:5300103403Purpose Built Flat1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band GEPC: C (76)

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

Flat 18, Crystal Wharf, 36 Graham Street, London, N1 8GH

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

£1,160,000

£1.10M - £1.22MHigh

Estimate

£1.16M

Range

£1.10M – £1.22M

Rent Estimate (pcm)

£5,800

£5k - £6k

Monthly

£5,800

Yield

6.05%

Verdict

Derived from HomePortfolio scores

Flat 18 earns an INVESTIGATE rating with HP Score 78/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (86/100). 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

78/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

86/ 100

Excellent

Transit & Bike

Transit 70Bike 77

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 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 +0.9% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 5300103403· as of 9 Oct 2026
Rental economics7.3/40
gross yield 6.1%; range width penalty ×0.87
- valuation_snapshotsrent estimate 5800/mo (range 5350-6300)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -719/mo, -12% 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 30 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 386 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 30 Oct 2026
Risk & liquidity14.6/15
633 sales/12mo in area; valuation range width 10%
- 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

£862,500£1,322,500

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£1,150,000

At the asking price

Monthly rent£5,800/mo

Evidenced range £5,350-£6,300

Interest rate5.4%

Loan to value75%

Cash required: £405,050
Net cash flow: £134/mo
Cash on cash: 0.4%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.49 - 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 5300103403Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 5800/mo (range 5350-6300)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 5800/mo (range 5350-6300)
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. 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.
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£1,160,000

Rent Estimate (pcm)£5,800

Gross Yield6.05%

1y Growth-

3y Growth-1.3%

5y Growth-0.6%

10y Growth+0.5%

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

0N1 8GH

Approval Rate

-12mo

Development

low

P2026/2865/COL
Certificate of Lawfulness (Proposed) for remedial works to replace the existing render with a non-combustible system to match the existing colour and appearance to improve the fire safety credentials of the site
Pending
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

View Planning Timeline