3 Saffron Close, Croydon, CR0 3GT

UPRN:5870106533Semi-Detached House2 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band DEPC: C (73)

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

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£412,000

£392k - £433kHigh

Estimate

£412k

Range

£392k – £433k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

6.08%

Verdict

Derived from HomePortfolio scores

3 Saffron Close earns an INVESTIGATE rating with HP Score 69/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (69/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

53/ 100

Elevated

Walkability

69/ 100

Moderate

Transit & Bike

Transit 42Bike 63

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£385,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,800-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £126,050
Net cash flow: £51/mo
Cash on cash: 0.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.50 - 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£412,000

Rent Estimate (pcm)£1,950

Gross Yield6.08%

1y Growth-

3y Growth+1.4%

5y Growth+0.7%

10y Growth+2.0%

Last Sold Price£345,000 (2017-12-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CR0 3GT

Approval Rate

-12mo

Development

low

26/02929/FUL
Installation of an electric vehicle charging point (EVCPs) and associated works on the carriageway adjacent to 307-313 Thornton Road, CR0 3EY.
Pending
26/02791/DISC
Details pursuant to condition 4 (Contamination ) of planning permission 24/ 01361/FUL granted for redevelopment of the site to provide a building comprising a self-storage facility (Class B8), together with associated car and cycle parking, alterations to access, refuse storage and associated landscaping.
Pending
26/02753/GPDO
Erection of a single story rear extension which projects out from the rear of the original property by 4.4 meters, with a height to the eaves of 2.4 meters and a maximum height of 2.46 meters
Pending

View Planning Timeline

Ownership

Corporate Ownership58.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-12-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,359

Population Density-

Owner Occupied64%

Age Distribution

0-15 21%16-64 64%65+ 15%

View Area Profile

Schools Nearby

The Archbishop Lanfranc Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
West Thornton Primary School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Gonville Academy
0.7 mi
Good
Harris Primary Academy Croydon
0.8 mi
Outstanding

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

7 Saffron Close
-
£368k
-
7 Saffron Close
-
£350k
-
3 Saffron Close
-
£345k
-
7 Saffron Close
-
£287k
-

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