Flats/Maisonettes

1 FLAT 603 PEPYS STREET

LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU

£520,000

Location

Map view View on Google Maps View on OpenStreetMap Street View EC3N 2NU

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Train station	London Fenchurch Street	0.0 miles
Shop	Ladbrokes	0.0 miles
Bus stop	Tower Gateway Station	0.1 miles
University	BPP Business School	0.3 miles
Hospital	Medlabs Diagnostics	1.7 miles

Property details

Tenure

Leasehold

Property type

Flat

Bedrooms

Bathrooms

Last sold

£520,000 Feb 2026

Local average

£555,833 (3 sales)

Street crime

2315 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	12/02/2026	£520,000	Flat	—	£460,253 to April 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£520,000
listed	12/08/2025	£525,000
sold	01/01/2006	£363,000
sold	01/01/2002	£325,000

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
1 FLAT 604 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU	£665,000	20/02/2026	Flat
1 FLAT 502 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU	£482,500	26/01/2026	Flat
1 FLAT 111 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU	£487,500	10/11/2023	Flat
1 FLAT 504 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU	£737,500	21/10/2022	Flat
1 FLAT 508 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU	£535,000	22/07/2022	Flat
1 FLAT 408 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU	£550,000	01/04/2022	Flat
1 FLAT G08 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU	£725,000	28/02/2022	Flat

Area average: £597,500 (7 sales)

For sale comparables

Active for-sale listings within 1 mile, matched to the same property type and bedroom count.

Address	Price	Beds	Type	Distance
One Crown Place, 19 Sun Street, EC2A	£700,000	1	Flat	0.71 mi

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

10y growth -18.3%

House Price Index (HM Land Registry — official index, not sold-price averages): City of London. Series: Flats and maisonettes. As of April 2026.

1y (index) -25.1%

5y (index) -14.2%

10y (index) -23.1%

Rental Range

Estimated market rent for London. Low = conservative, Realistic = average, Optimistic = best case.

Low £2,072/mo

Realistic £2,302/mo

Optimistic £2,532/mo

Based on Region from postcode lookup → London.

LHA (30th percentile) floor for Central London: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
Studio Flat, Marlyn Lodge, E1	£2,100/mo	1	0.18 miles	OpenRent
1 Bed Flat, Alie St, E1	£2,002/mo	1	0.32 miles	OpenRent
1 Bed Flat, Aldgate East, E1	£2,708/mo	1	0.36 miles	OpenRent
1 Bed Flat, Neroli House, E1	£3,150/mo	1	0.4 miles	OpenRent

Average rent: £2,490/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.46%

Max investor price (0.8%) £300,500

Target investor price (1%) £240,400

Gross yield 5.5%

Cost-to-rent ratio 18×

Monthly cashflow £91/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.7%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Violence and sexual offences	419
Anti-social behaviour	377
Theft from the person	339
Other theft	324
Shoplifting	257
Public order	125
Burglary	109
Vehicle crime	86
Bicycle theft	80
Robbery	80
Drugs	71
Criminal damage and arson	26
Other crime	12
Possession of weapons	10
Total incidents	2315

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
David Game College	Other	0.1 miles	Outstanding — 11 May 2020
The Aldgate School	Primary	0.2 miles	Outstanding — 11 Jul 2024
English Martyrs Roman Catholic Primary School	Primary	0.3 miles	Good — 23 May 2013
Royal Mencap Society	Other	0.4 miles	— (No rating)
Mulberry Canon Barnett Primary Academy	Primary	0.4 miles	Good — 25 Oct 2013

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 1 FLAT 603 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU

## Property details

- Slug: `12b5564` (address key hash: `12b5564f6dde3c837ddeefef4944ca85ed739d89`)
- Postcode: EC3N 2NU
- Transactions on record: 1

- Tenure: Leasehold
- Property type: Flat
- Bedrooms: 1
- Bathrooms: 1
- Last sold: £520,000 Feb 2026
- Local average: £555,833 (3 sales)
- Street crime: 2315 incidents within 1 mile (May 2026)

## Latest sale

- Price: £520,000
- Date: 2026-02-12
- Type: F
- Tenure: L

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-12 | £520,000 | Flat | — | £460,253 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673f-6bb0-d8ea-e063-4704a8c0bf7d) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 1 FLAT 603 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £520,000 | 12/02/2026 | Flat |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [165635930](http://87.117.209.195:8080/listings/8a8fb98)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £520,000 |
| listed | 2025-08-12 | £525,000 |
| sold | 2006-01-01 | £363,000 |
| sold | 2002-01-01 | £325,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 1 FLAT 604 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £665,000 | 20/02/2026 | Flat |
| 1 FLAT 502 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £482,500 | 26/01/2026 | Flat |
| 1 FLAT 111 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £487,500 | 10/11/2023 | Flat |
| 1 FLAT 504 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £737,500 | 21/10/2022 | Flat |
| 1 FLAT 508 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £535,000 | 22/07/2022 | Flat |
| 1 FLAT 408 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £550,000 | 01/04/2022 | Flat |
| 1 FLAT G08 PEPYS STREET, LONDON, CITY OF LONDON, GREATER LONDON, EC3N 2NU | £725,000 | 28/02/2022 | Flat |

**Area average:** £597,500 (7 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type and bedroom count.*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [One Crown Place, 19 Sun Street, EC2A](http://87.117.209.195:8080/listings/a803363) | £700,000 | 1 | Flat | 0.71 mi |

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **10y growth:** -18.3%

## House Price Index (HM Land Registry)

*Official index for City of London; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -25.1%
- **5y growth (index):** -14.2%
- **10y growth (index):** -23.1%

## Rental Range

*ONS Price Index of Private Rents (London). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £2,072/mo
- **Realistic:** £2,302/mo
- **Optimistic:** £2,532/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Central London (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| Studio Flat, Marlyn Lodge, E1 | £2,100/mo | 1 | 0.18 miles | OpenRent |
| 1 Bed Flat, Alie St, E1 | £2,002/mo | 1 | 0.32 miles | OpenRent |
| 1 Bed Flat, Aldgate East, E1 | £2,708/mo | 1 | 0.36 miles | OpenRent |
| 1 Bed Flat, Neroli House, E1 | £3,150/mo | 1 | 0.4 miles | OpenRent |

**Average rent: £2,490/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.46% (weak for cashflow)
- **Max investor price (0.8%):** £300,500
- **Target investor price (1%):** £240,400

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £2,404/mo).*

- **Gross yield:** 5.5%
- **Cost-to-rent:** 18×
- **Monthly cashflow:** £91/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.7%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 419 |
| Anti-social behaviour | 377 |
| Theft from the person | 339 |
| Other theft | 324 |
| Shoplifting | 257 |
| Public order | 125 |
| Burglary | 109 |
| Vehicle crime | 86 |
| Bicycle theft | 80 |
| Robbery | 80 |
| Drugs | 71 |
| Criminal damage and arson | 26 |
| Other crime | 12 |
| Possession of weapons | 10 |
| **Total incidents** | **2315** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| David Game College | Other | 0.1 miles | Outstanding — 11 May 2020 |
| The Aldgate School | Primary | 0.2 miles | Outstanding — 11 Jul 2024 |
| English Martyrs Roman Catholic Primary School | Primary | 0.3 miles | Good — 23 May 2013 |
| Royal Mencap Society | Other | 0.4 miles | — (No rating) |
| Mulberry Canon Barnett Primary Academy | Primary | 0.4 miles | Good — 25 Oct 2013 |