37 Cottage Street, London, E14 0AA

UPRN:6064002Flat/MaisonetteBeds -Built 1950-1966

Tenure: -Council Tax: Band CEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Location map - no listing photos available

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£348,000

£313k - £383kMedium

Estimate

£348k

Range

£313k – £383k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

3.57%

Verdict

Derived from HomePortfolio scores

37 Cottage Street earns an INVESTIGATE rating with HP Score 71/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (88/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

47/ 100

Elevated

Walkability

88/ 100

Excellent

Transit & Bike

Transit 91Bike 73

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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 edge-0.6/15
claims [AVM -59.5% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 6064002· as of 9 Nov 2026
Rental economics0/40
gross yield 3.6%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1650/mo (range 1500-1750)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,259/mo, -76% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 60 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 4 Nov 2026
Risk & liquidity12.8/15
623 sales/12mo in area; valuation range width 20%
- 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

£416,000£638,000

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£555,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £185,550
Net cash flow: -£731/mo
Cash on cash: -4.7%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.88 - below 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 6064002Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1650/mo (range 1500-1750)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1650/mo (range 1500-1750)
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. 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£348,000

Rent Estimate (pcm)£1,650

Gross Yield3.57%

1y Growth-

3y Growth-6.5%

5y Growth-7.3%

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

0E14 0AA

Approval Rate

-12mo

Development

low

PA/26/01855/S
Application for Non-Material amendment to planning permission ref: PA/19/02148, Dated 14/10/2020. Non Material amendment(s) Sought: It is proposed to change the wording of the trigger for conditions 9(c), 15(g), 20, 27, 31(2), 33(b), 34, 35(a, b and d) and 37 to assist with occupation of the scheme.
Pending
PA/26/01840/NC
Submission of details pursuant to partial Condition 35 (Foundation Design) in relation to Phase A only covers blocks F, of Outline Planning Permission PA/21/02377 dated 03/06/2024
Pending
PA/26/01817/NC
Removal and replacement of the copper roof covering to the North and South Turrets.
Pending

View Planning Timeline