3 Garratt Close, Croydon, CR0 4PW

UPRN:5870097890End Terrace House2 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band DEPC: C (72)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoOwnership· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

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

£409,000

£388k - £429kHigh

Estimate

£409k

Range

£388k – £429k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

6.31%

Verdict

Derived from HomePortfolio scores

3 Garratt Close earns an INVESTIGATE rating with HP Score 74/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (61/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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

74/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

61/ 100

Moderate

Transit & Bike

Transit 26Bike 58

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£390,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,950-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £127,800
Net cash flow: £103/mo
Cash on cash: 1.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - 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£409,000

Rent Estimate (pcm)£2,050

Gross Yield6.31%

1y Growth-

3y Growth+1.4%

5y Growth+0.7%

10y Growth+2.0%

Last Sold Price£375,000 (2021-08-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CR0 4PW

Approval Rate

-12mo

Development

low

26/03071/DISC
Discharge of condition 4 (Habitat management and monitoring plan) attached to planning permission 26/01322/FUL for the erection of a part two storey, part single storey rear extension, double storey side extension and a rear dormer along with the installation of rooflights, together with the subdivision of the property to create 2 x 3 bed flats, 2 x 1 bed flats and 3 x studio flats (part retrospective).
Pending
DM2026/01197
Conversion of loft space involving alterations to existing roofline and first floor roof extension, a dormer extension at rear, a window to flank roofslope and rooflights to front roofslope.
Pending
26/03000/AUT
Change of use of the existing retail warehouse (Use Class E) to form an Ambulance Hub (Sui Generis), including refurbishment and reconfiguration of the existing building providing replacement cladding, roof and openings, fleet maintenance facilities, staff welfare and office accommodation, ambulance and operational vehicle parking, fuel storage and associated infrastructure, formation of new vehicular accesses, landscaping and all other associated works (Consultation by the London Borough of Sutton).
Pending

View Planning Timeline

Ownership

Corporate Ownership58.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-08-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,359

Population Density-

Owner Occupied75%

Age Distribution

0-15 19%16-64 62%65+ 19%

View Area Profile

Schools Nearby

The Link School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Sherwood Foundation School
0.2 mi
Good
Beddington Park Academy
0.3 mi
Outstanding
Carew Academy
0.4 mi
Inspected as Carew Academy (URN 139722) on 15 Jan 2020

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Garratt Close
-
£410k
-
8 Garratt Close
-
£415k
-
3 Garratt Close
-
£375k
-
6 Garratt Close
-
£385k
-

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