Flat 26, Chinnocks Wharf, 42 Narrow Street, London, E14 8DJ

UPRN:6042196Purpose Built Flat2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: Band FEPC: B (84)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

Flat 26, Chinnocks Wharf, 42 Narrow Street, London, E14 8DJ

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£820,000

£779k - £861kHigh

Estimate

£820k

Range

£779k – £861k

Rent Estimate (pcm)

£3,900

£4k - £4k

Monthly

£3,900

Yield

6.69%

Verdict

Derived from HomePortfolio scores

Flat 26 earns an INVESTIGATE rating with HP Score 86/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is very 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 NationsMarket 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

86/ 100

Strong

Investment Score

73/ 100

High

Crime Score

9/ 100

Low

Walkability

86/ 100

Excellent

Transit & Bike

Transit 49Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 Nov 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 +14.6% (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 12 Oct 2026
- valuation_snapshotsestimate for 6042196· as of 12 Oct 2026
Rental economics11.7/40
gross yield 6.7%; range width penalty ×0.87
- valuation_snapshotsrent estimate 3900/mo (range 3550-4200)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -217/mo, -6% 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 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 27 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 3 Nov 2026
Risk & liquidity14.6/15
623 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

£525,000£805,000

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£699,999

At the asking price

Monthly rent£3,900/mo

Evidenced range £3,550-£4,200

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: £338/mo
Cash on cash: 1.7%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - 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 6042196Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3900/mo (range 3550-4200)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 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 3900/mo (range 3550-4200)
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£820,000

Rent Estimate (pcm)£3,900

Gross Yield6.69%

1y Growth-

3y Growth-6.5%

5y Growth-7.3%

10y Growth-0.5%

Last Sold Price£560,000 (2009-10-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0E14 8DJ

Approval Rate

-12mo

Development

low

26/AP/3191
Replacement of the river wall.
Pending
26/AP/3165
Works to tree with a TPO: T1. False Acacia Tree. 14 metres in height. 10 metres in width. Fell to ground level as tree has become dangerous. Large branches has recently fell from tree. Situated at the front of the building. T2. False Acacia Tree. 16 metres in height. 12 metres in width. Fell to ground level as tree has become dangerous. Large branches have recently fell. Situated at the front of the buidling.
Pending
26/AP/3126
Replacement of existing timber frame doors and windows to uPVC
Pending

View Planning Timeline

Ownership

Corporate Ownership13%
Overseas OwnershipNo
Lease Term Remaining162 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2009-10-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£45,183

Population Density-

Owner Occupied32%

Age Distribution

0-15 10%16-64 86%65+ 4%

View Area Profile

Schools Nearby

The Hamlet School
0.2 mi
-
Peter Hills with St Mary's and St Paul's CofE Primary School
0.3 mi
Good
Sir William Burrough Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Marion Richardson Primary School
0.4 mi
OutstandingImproving

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Chinnocks Wharf, 42 Narrow Street
-
£705k
-
Chinnocks Wharf, 42 Narrow Street
-
£950k
-
Chinnocks Wharf, 42 Narrow Street
-
£1.35M
-
Chinnocks Wharf, 42 Narrow Street
-
£785k
-

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