Flat 5, 84 Fetter Lane, London, EC4A 1EQ

UPRN:95510764Flat/Maisonette1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: C (79)

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

Flat 5, 84 Fetter Lane, London, EC4A 1EQ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£499,000

£474k - £524kHigh

Estimate

£499k

Range

£474k – £524k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

5.20%

Verdict

Derived from HomePortfolio scores

Flat 5 earns an INVESTIGATE rating with HP Score 63/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (99/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

61/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

99/ 100

Excellent

Transit & Bike

Transit 100Bike 76

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +9.8% (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 10 Oct 2026
- valuation_snapshotsestimate for 95510764· as of 10 Oct 2026
Rental economics1.3/40
gross yield 5.2%; range width penalty ×0.84
- valuation_snapshotsrent estimate 1950/mo (range 1750-2100)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -834/mo, -43% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 6 Nov 2026
Risk & liquidity6.7/15
3 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,750-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£169/mo
Cash on cash: -1.4%
Score at this price: 8

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 95510764Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 1950/mo (range 1750-2100)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1950/mo (range 1750-2100)
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£499,000

Rent Estimate (pcm)£1,950

Gross Yield5.20%

1y Growth-

3y Growth-11.2%

5y Growth-2.7%

10y Growth-3.1%

Last Sold Price£370,000 (2010-07-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EC4A 1EQ

Approval Rate

-12mo

Development

low

2026/4741/P
Section 19 variation of condition 2 (approved plans) of listed building consent 2025/0363/L dated 20/10/2025 for the change of use from office (Class E) to residential (Class C3) to form a single dwellinghouse, the installation of secondary glazing to the front elevation and associated alterations including replacement door at lower ground floor level to rear elevation, internal alterations including reinstallation of the historic staircase connecting the lower and ground floors; installation of internal doors and reconfiguration of internal layouts at ground and lower ground floor levels, installation of new partition walls for a new bathroom at ground and first floor levels and installation of new doors at lower to second floors. Namely, alterations to the internal layout at all floor levels, including the installation of new staircase at lower-ground floor level and the replacement of the existing lift car.
Pending
2026/4789/L
The replacement of bathroom facilities and the insertion of a kitchen to lower ground floor level, including reconfiguration of modern partition walls, sanitary fixtures and wall finishes.
Pending
P2026/2846/LBC
Installation of secondary glazing
Pending

View Planning Timeline

Ownership

Corporate Ownership18.6%
Overseas OwnershipNo
Lease Term Remaining131 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2010-07-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority-

Population Density-

Owner Occupied28%

Age Distribution

0-15 4%16-64 88%65+ 8%

View Area Profile

Schools Nearby

City Junior School
0.1 mi
Inspected by ISI
St Alban's Church of England Primary School
0.2 mi
GoodImproving
University of the Arts London
0.2 mi
-
Christopher Hatton Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

84 Fetter Lane
-
£1.32M
-
84 Fetter Lane
-
£552k
-
84 Fetter Lane
-
£38k
-
84 Fetter Lane
-
£1.39M
-

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