Terraced

92 KELVIN GARDENS

CROYDON, GREATER LONDON, CR0 4UR

£425,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CR0 4UR

Nearby

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

Type	Name	Distance
Bus stop	Ampere Way Tram Stop / Valley Park	0.1 miles
Shop	Screwfix	0.2 miles
Hospital	Croydon Heart Centre	0.8 miles
Train station	West Croydon	1.1 miles
University	Horton Halls Reception	4.3 miles

Property details

Tenure

Freehold

Property type

Terraced

Floor area

95 m²

EPC rating

Year built

England and Wales: 1991-1995

Last sold

£425,000 Mar 2026

Price per m²

£4,474/m²

Local average

£410,212 (136 sales)

Street crime

650 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: C

Inspection date: 22/08/2025

Expiry date: 21/08/2035

Current heating cost: £679/year

Potential heating cost: £638/year

Est. upgrade cost to C: £16,500

Recommendations

Floor insulation (solid floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	10/03/2026	£425,000	Terraced	—	£430,941 to April 2026	View transaction

Historic listings

No historic listing events could be matched to the sales on record for this address. We only show events where a listing page could be linked to a Land Registry sale here.

Sold comparables

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

Address	Price	Date	Type
431 MITCHAM ROAD, CROYDON, GREATER LONDON, CR0 3HQ	£419,000	27/09/2023	Terraced
14 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR	£325,000	30/08/2023	Terraced
148 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4US	£415,000	03/07/2023	Terraced
51 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DT	£400,000	09/06/2023	Terraced
401 MITCHAM ROAD, CROYDON, GREATER LONDON, CR0 3HQ	£325,000	09/06/2023	Terraced
103 WESTCOMBE AVENUE, CROYDON, GREATER LONDON, CR0 3DF	£450,000	09/03/2023	Terraced
30 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DU	£405,000	24/11/2022	Terraced
12 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR	£370,000	14/10/2022	Terraced
88 OCKLEY ROAD, CROYDON, GREATER LONDON, CR0 3DQ	£460,000	16/08/2022	Terraced
63 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DT	£257,801	04/08/2022	Terraced
54 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR	£285,000	22/07/2022	Terraced
56 OCKLEY ROAD, CROYDON, GREATER LONDON, CR0 3DQ	£423,000	29/04/2022	Terraced
56 OCKLEY ROAD, CROYDON, GREATER LONDON, CR0 3DQ	£400,000	27/04/2022	Terraced
47 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DT	£385,000	28/03/2022	Terraced
51 ALFRISTON AVENUE, CROYDON, GREATER LONDON, CR0 3DD	£267,700	21/03/2022	Terraced
30 ROSEDENE AVENUE, CROYDON, GREATER LONDON, CR0 3DN	£387,000	11/03/2022	Terraced
90 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR	£350,000	07/03/2022	Terraced
425 MITCHAM ROAD, CROYDON, GREATER LONDON, CR0 3HQ	£235,000	11/02/2022	Terraced
33 WESTCOMBE AVENUE, CROYDON, GREATER LONDON, CR0 3DE	£430,000	10/02/2022	Terraced
63 WESTCOMBE AVENUE, CROYDON, GREATER LONDON, CR0 3DE	£425,000	08/02/2022	Terraced

Area average: £370,725 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same property type.

Capital growth trend

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

5y growth 0.2%

10y growth 12.6%

House Price Index (HM Land Registry — official index, not sold-price averages): Croydon. Series: Terraced. As of April 2026.

1y (index) 1.6%

5y (index) 5.1%

10y (index) 19.7%

Rental Range

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

Low £1,415/mo

Realistic £1,572/mo

Optimistic £1,729/mo

Based on Local Authority from postcode lookup → Croydon.

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

Rental Comparables

Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
1 Bed Flat, Thornton Avenue, CR0	£1,450/mo	1	0.37 miles	OpenRent
3 Bed Terraced House, Canterbury Road, CR0	£2,100/mo	3	0.61 miles	OpenRent

Average rent: £1,775/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.42%

Max investor price (0.8%) £221,875

Target investor price (1%) £177,500

Gross yield 5%

Cost-to-rent ratio 20×

Monthly cashflow £-101/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -1%

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	183
Anti-social behaviour	145
Shoplifting	111
Vehicle crime	59
Other theft	44
Public order	44
Drugs	21
Robbery	14
Burglary	12
Theft from the person	6
Bicycle theft	5
Other crime	5
Possession of weapons	1
Total incidents	650

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
West Thornton Primary School	Primary	0.3 miles	— (Inspected (no overall grade))
Harris Primary Academy Croydon	Primary	0.4 miles	Outstanding — 8 Nov 2023
The Archbishop Lanfranc Academy	Secondary	0.6 miles	Requires improvement — 16 Oct 2022
Beddington Park Academy	Primary	0.8 miles	Outstanding — 19 Nov 2023
Gonville Academy	Primary	0.8 miles	Good — 17 Jul 2012

FENSA

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

# 92 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR

## Property details

- Slug: `3bbcc21` (address key hash: `3bbcc21c987fa1a97c7df8f6c43b204ebcb1419a`)
- Postcode: CR0 4UR
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Floor area: 95 m²
- EPC rating: C
- Year built: England and Wales: 1991-1995
- Last sold: £425,000 Mar 2026
- Price per m²: £4,474/m²
- Local average: £410,212 (136 sales)
- Street crime: 650 incidents within 1 mile (May 2026)

## Latest sale

- Price: £425,000
- Date: 2026-03-10
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 21/08/2035
- **Current heating cost:** £679/year
- **Est. upgrade cost to C:** £16,500

### Recommendations
- W2 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0300-2052-2580-2925-5315)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-10 | £425,000 | Terraced | — | £430,941 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-9e0d-8922-e063-4804a8c094d0) |

*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 |
|---------|-------|------|------|
| 92 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR | £425,000 | 10/03/2026 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 431 MITCHAM ROAD, CROYDON, GREATER LONDON, CR0 3HQ | £419,000 | 27/09/2023 | Terraced |
| 14 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR | £325,000 | 30/08/2023 | Terraced |
| 148 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4US | £415,000 | 03/07/2023 | Terraced |
| 51 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DT | £400,000 | 09/06/2023 | Terraced |
| 401 MITCHAM ROAD, CROYDON, GREATER LONDON, CR0 3HQ | £325,000 | 09/06/2023 | Terraced |
| 103 WESTCOMBE AVENUE, CROYDON, GREATER LONDON, CR0 3DF | £450,000 | 09/03/2023 | Terraced |
| 30 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DU | £405,000 | 24/11/2022 | Terraced |
| 12 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR | £370,000 | 14/10/2022 | Terraced |
| 88 OCKLEY ROAD, CROYDON, GREATER LONDON, CR0 3DQ | £460,000 | 16/08/2022 | Terraced |
| 63 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DT | £257,801 | 04/08/2022 | Terraced |
| 54 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR | £285,000 | 22/07/2022 | Terraced |
| 56 OCKLEY ROAD, CROYDON, GREATER LONDON, CR0 3DQ | £423,000 | 29/04/2022 | Terraced |
| 56 OCKLEY ROAD, CROYDON, GREATER LONDON, CR0 3DQ | £400,000 | 27/04/2022 | Terraced |
| 47 RINGWOOD AVENUE, CROYDON, GREATER LONDON, CR0 3DT | £385,000 | 28/03/2022 | Terraced |
| 51 ALFRISTON AVENUE, CROYDON, GREATER LONDON, CR0 3DD | £267,700 | 21/03/2022 | Terraced |
| 30 ROSEDENE AVENUE, CROYDON, GREATER LONDON, CR0 3DN | £387,000 | 11/03/2022 | Terraced |
| 90 KELVIN GARDENS, CROYDON, GREATER LONDON, CR0 4UR | £350,000 | 07/03/2022 | Terraced |
| 425 MITCHAM ROAD, CROYDON, GREATER LONDON, CR0 3HQ | £235,000 | 11/02/2022 | Terraced |
| 33 WESTCOMBE AVENUE, CROYDON, GREATER LONDON, CR0 3DE | £430,000 | 10/02/2022 | Terraced |
| 63 WESTCOMBE AVENUE, CROYDON, GREATER LONDON, CR0 3DE | £425,000 | 08/02/2022 | Terraced |

**Area average:** £370,725 (20 sales)

## Capital growth trend

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

- **5y growth:** 0.2%
- **10y growth:** 12.6%

## House Price Index (HM Land Registry)

*Official index for Croydon; Terraced series; as of April 2026.*

- **1y growth (index):** 1.6%
- **5y growth (index):** 5.1%
- **10y growth (index):** 19.7%

## Rental Range

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

- **Low:** £1,415/mo
- **Realistic:** £1,572/mo
- **Optimistic:** £1,729/mo

## LHA (Local Housing Allowance)

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

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 1 Bed Flat, Thornton Avenue, CR0 | £1,450/mo | 1 | 0.37 miles | OpenRent |
| 3 Bed Terraced House, Canterbury Road, CR0 | £2,100/mo | 3 | 0.61 miles | OpenRent |

**Average rent: £1,775/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.42% (weak for cashflow)
- **Max investor price (0.8%):** £221,875
- **Target investor price (1%):** £177,500

*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 £1,775/mo).*

- **Gross yield:** 5%
- **Cost-to-rent:** 20×
- **Monthly cashflow:** £-101/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -1%

*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 | 183 |
| Anti-social behaviour | 145 |
| Shoplifting | 111 |
| Vehicle crime | 59 |
| Other theft | 44 |
| Public order | 44 |
| Drugs | 21 |
| Robbery | 14 |
| Burglary | 12 |
| Theft from the person | 6 |
| Bicycle theft | 5 |
| Other crime | 5 |
| Possession of weapons | 1 |
| **Total incidents** | **650** |

*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 |
|------|------|----------|--------|
| West Thornton Primary School | Primary | 0.3 miles | — (Inspected (no overall grade)) |
| Harris Primary Academy Croydon | Primary | 0.4 miles | Outstanding — 8 Nov 2023 |
| The Archbishop Lanfranc Academy | Secondary | 0.6 miles | Requires improvement — 16 Oct 2022 |
| Beddington Park Academy | Primary | 0.8 miles | Outstanding — 19 Nov 2023 |
| Gonville Academy | Primary | 0.8 miles | Good — 17 Jul 2012 |