Flat 1, Fetter Lane Apartments, 139 Fetter Lane, London, EC4A 1BT

UPRN:95513072Flat/Maisonette1 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band EEPC: C (70)

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

Flat 1, Fetter Lane Apartments, 139 Fetter Lane, London, EC4A 1BT

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£625,000

£563k - £688kMedium

Estimate

£625k

Range

£563k – £688k

Rent Estimate (pcm)

£2,400

£2k - £3k

Monthly

£2,400

Yield

1.79%

Verdict

Derived from HomePortfolio scores

Flat 1 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 NationsMarket 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 covenantsHM 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 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 -157.6% (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 Oct 2026
- valuation_snapshotsestimate for 95513072· as of 9 Oct 2026
Rental economics0/40
gross yield 1.8%; range width penalty ×0.82
- valuation_snapshotsrent estimate 2400/mo (range 2200-2650)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -5,158/mo, -215% 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
no listing-history inputs (first published date, price changes)
Risk & liquidity4.9/15
3 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

£1,207,500£1,851,500

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£1,610,000

At the asking price

Monthly rent£2,400/mo

Evidenced range £2,200-£2,650

Interest rate5.4%

Loan to value75%

Cash required: £591,250
Net cash flow: -£3,772/mo
Cash on cash: -7.7%
Score at this price: 4

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.44 - 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 95513072Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2400/mo (range 2200-2650)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
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 2400/mo (range 2200-2650)
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£625,000

Rent Estimate (pcm)£2,400

Gross Yield1.79%

1y Growth-

3y Growth-11.2%

5y Growth-2.7%

10y Growth-3.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

1EC4A 1BT

Approval Rate

100%12mo

Development

low

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
26/07332/LBC
Replacement of one platform lift at first floor level.
Pending
26/07358/ADV
Display of non illuminated bronze face plaque measuring 0.6m X 0.6m
Pending

View Planning Timeline

Ownership

Corporate Ownership18.6%
Overseas OwnershipNo
Lease Term Remaining238 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority-

Population Density2,195 /km²

Owner Occupied28%

Age Distribution

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

View Area Profile

Schools Nearby

London School of Economics and Political Science
0.2 mi
-
City Junior School
0.3 mi
Inspected by ISI
University of the Arts London
0.3 mi
-
St Clement Danes CofE Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the 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

140 Fetter Lane
-
£60k
-

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