Sold STC Flat

FLAT 5

95 HIGHGATE ROAD, LONDON, GREATER LONDON NW5 1TR

2 beds 1 baths 64 m² Listed 18 Dec 2024 (-542d)

£540,000

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# 2 bedroom apartment for sale (NW5 1TR)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 5, 95 HIGHGATE ROAD, LONDON, GREATER LONDON NW5 1TR |
| Price | £540,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | E |
| Last sold | £520,000 Oct 2025 |

## Description

The flat comprises a reception room with an open plan kitchen, a windowed bathroom and two bedrooms.

TENURE: 999 Years Lease from 29th September 2002

SHARE OF FREEHOLD:

SERVICE CHARGE: We have been advised £3,770.52 for 2024 for varous communal charges

- Unverified

Parking: To be confirmed

Utilities: The property is serviced by mains water, electricity and sewage

Broadband and Data Coverage. Ultrafast Broadband services are available via Openreach, Virgin Media, G Network.

Construction Type: To be confirmed

Heating: To be confirmed

Notable Lease Covenants & Restrictions: Not to use the Flat for any purpose whatsoever other than as a private residential flat. No animal, reptile or bird shall be kept on the Demised Premises without the written permission of the Company, which shall not be reasonably withheld. Not to reside or permit any person to reside in the Demised Premises unless the floors thereof (including passages but excluding kitchen and bathroom) are completely covered with wall-to-wall fitted carpet or other sound-deadening material.

Council Tax: London Borough of Camden - Council Tax Band: E (£2,457.37 for 2024/25)

Location:

Silver Lodge is set on Highgate Road, nearest tube stations being Kentish Town and Tufnell Park (both Northern line) and close to Gospel Oak overgound station, Kentish Town Thameslink, local bus services, shops, cafes, pubs and Parliament Hill Fields with Hampstead Heath beyond. The flat is a bus ride away from the Camden Town area (or one stop along the Northern Line from Kentish Town tube station) for its attractions including Camden Market alongside The Regents Canal.

## Property Photos

- ![Picture No. 09](/listings/photos/156068081/639652) - Picture No. 09
- ![Picture No. 06](/listings/photos/156068081/639653) - Picture No. 06
- ![Picture No. 08](/listings/photos/156068081/639654) - Picture No. 08
- ![Picture No. 10](/listings/photos/156068081/639655) - Picture No. 10
- ![Picture No. 07](/listings/photos/156068081/639656) - Picture No. 07
- ![Picture No. 14](/listings/photos/156068081/639657) - Picture No. 14
- ![Picture No. 18](/listings/photos/156068081/639658) - Picture No. 18
- ![Picture No. 04](/listings/photos/156068081/639659) - Picture No. 04
- ![Picture No. 16](/listings/photos/156068081/639661) - Picture No. 16
- ![Picture No. 13](/listings/photos/156068081/639663) - Picture No. 13
- ![Picture No. 12](/listings/photos/156068081/639665) - Picture No. 12
- ![Picture No. 17](/listings/photos/156068081/639667) - Picture No. 17
- ![Picture No. 11](/listings/photos/156068081/639668) - Picture No. 11
- ![Picture No. 15](/listings/photos/156068081/639670) - Picture No. 15
- ![Picture No. 19](/listings/photos/156068081/639672) - Picture No. 19

## Floorplans

- ![Picture No. 05](/listings/photos/156068081/639674) - Picture No. 05

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/156068081/639676) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 95 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £520,000 | 24/10/2025 | Flat |
| 95 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £499,950 | 16/03/2015 | Flat |
| 95 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £172,000 | 29/10/2010 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 27 FLAT 12 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £875,000 | 12/09/2025 | Flat |
| 27 FLAT 14 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £765,000 | 25/07/2025 | Flat |
| 27 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £725,000 | 17/07/2025 | Flat |
| 27 FLAT 9 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £735,000 | 27/06/2025 | Flat |
| 27 FLAT 1 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £700,000 | 30/05/2025 | Flat |
| 27 FLAT 4 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £860,000 | 12/05/2025 | Flat |
| 27 FLAT 6 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £725,000 | 02/05/2025 | Flat |
| 27 FLAT 15 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW | £660,000 | 02/05/2025 | Flat |
| 114C HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1PB | £715,000 | 27/10/2023 | Flat |
| 47A LADY SOMERSET ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TY | £1,086,000 | 17/10/2023 | Flat |
| 13 FIRST AND SECOND FLOOR MAISONETTE BURGHLEY ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1UG | £750,000 | 07/08/2023 | Flat |
| 39 - 51 FLAT 301 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT | £1,300,000 | 14/07/2023 | Flat |
| 119 FLAT 48 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR | £360,000 | 26/06/2023 | Flat |
| 118 SECOND AND THIRD FLOOR FLAT HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1PB | £580,000 | 20/01/2023 | Flat |
| 13B BURGHLEY ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1UG | £545,000 | 22/12/2022 | Flat |
| GRANGEMILL FLAT 19 INGESTRE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1XH | £495,000 | 08/12/2022 | Flat |
| 39 - 51 FLAT 506 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT | £1,795,000 | 03/10/2022 | Flat |
| 9A LITTLE GREEN STREET, LONDON, CAMDEN, GREATER LONDON, NW5 1BL | £241,000 | 27/07/2022 | Flat |
| 137F HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1LE | £430,000 | 18/07/2022 | Flat |
| 39 - 51 FLAT 107 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT | £985,000 | 01/07/2022 | Flat |

**Area average:** £766,350 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £660,728 (54 Flat, NW5, 2024–2026)
- **Deviation:** -18.3%

## Rental Range

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

- **Low:** £2,452/mo
- **Realistic:** £2,724/mo
- **Optimistic:** £2,996/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £1,789/mo

## 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 |
|------|------|------|------|------|
| 2 Bed Flat, Durston Flats, NW5 | £2,400/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, Grafton Road, NW5 | £3,000/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, Weedington Road, NW5 | £2,700/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Flat, Grafton Road, NW5 | £2,600/mo | 2 | 0.44 miles | OpenRent |
| 2 Bed Flat, Brecknock Road, N19 | £2,200/mo | 2 | 0.45 miles | OpenRent |
| 2 Bed Flat, Grafton Road, NW5 | £2,350/mo | 2 | 0.52 miles | OpenRent |
| 2 Bed Flat, Junction Road, N19 | £2,100/mo | 2 | 0.52 miles | OpenRent |
| 2 Bed Flat, Goddard Place, N19 | £2,450/mo | 2 | 0.57 miles | OpenRent |

**Average rent: £2,475/mo (8 listings)**

## 1% Rule

- **Rent ratio:** 0.45% (weak for cashflow)
- **Max investor price (0.8%):** £303,125
- **Target investor price (1%):** £242,500

*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 £2,425/mo).*

- **Gross yield:** 5.4%
- **Cost-to-rent:** 18.6×
- **Monthly cashflow:** £31/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.2%

*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).*

## Capital growth trend

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

- **5y growth:** -3.8%
- **10y growth:** 6.8%

## House Price Index (HM Land Registry)

*Official index for Camden; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** -8.2%
- **5y growth (index):** -5.5%
- **10y growth (index):** -10.8%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

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

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Property details

Tenure

SHARE_OF_FREEHOLD

Floor area

64 m²

Council tax band

Last sold

£520,000 Oct 2025

Local average

£660,728 (-18.3%)

Deprivation

Decile 3 (7,411 of 33,755)

Street crime

1196 incidents within 1 mile (Apr 2026)

Key features

2 Bedrooms
Reception Room
Open Plan Kitchen
Bathroom

Additional details

Parking: Yes

Description

The flat comprises a reception room with an open plan kitchen, a windowed bathroom and two bedrooms.

TENURE: 999 Years Lease from 29th September 2002

SHARE OF FREEHOLD:

SERVICE CHARGE: We have been advised £3,770.52 for 2024 for varous communal charges
- Unverified

Parking: To be confirmed

Utilities: The property is serviced by mains water, electricity and sewage

Broadband and Data Coverage. Ultrafast Broadband services are available via Openreach, Virgin Media, G Network.

Construction Type: To be confirmed

Heating: To be confirmed

Notable Lease Covenants & Restrictions: Not to use the Flat for any purpose whatsoever other than as a private residential flat. No animal, reptile or bird shall be kept on the Demised Premises without the written permission of the Company, which shall not be reasonably withheld. Not to reside or permit any person to reside in the Demised Premises unless the floors thereof (including passages but excluding kitchen and bathroom) are completely covered with wall-to-wall fitted carpet or other sound-deadening material.

Council Tax: London Borough of Camden - Council Tax Band: E (£2,457.37 for 2024/25)

Location:
Silver Lodge is set on Highgate Road, nearest tube stations being Kentish Town and Tufnell Park (both Northern line) and close to Gospel Oak overgound station, Kentish Town Thameslink, local bus services, shops, cafes, pubs and Parliament Hill Fields with Hampstead Heath beyond. The flat is a bus ride away from the Camden Town area (or one stop along the Northern Line from Kentish Town tube station) for its attractions including Camden Market alongside The Regents Canal.

Listed by

Kentish Town

Winkworth

Reference: 156068081

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Picture No. 05

EPC Graphs

EPC Rating Graph

Price history

202% since 2010

Event	Date	Price	% change
Sold	24/10/2025 (7 months ago)	£520,000	+4%
Sold	16/03/2015 (11 years ago)	£499,950	+190.7%
Sold	29/10/2010 (15 years ago)	£172,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

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

Address	Price	Date	Type
27 FLAT 12 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£875,000	12/09/2025	Flat
27 FLAT 14 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£765,000	25/07/2025	Flat
27 FLAT 5 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£725,000	17/07/2025	Flat
27 FLAT 9 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£735,000	27/06/2025	Flat
27 FLAT 1 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£700,000	30/05/2025	Flat
27 FLAT 4 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£860,000	12/05/2025	Flat
27 FLAT 6 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£725,000	02/05/2025	Flat
27 FLAT 15 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1DW	£660,000	02/05/2025	Flat
114C HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1PB	£715,000	27/10/2023	Flat
47A LADY SOMERSET ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TY	£1,086,000	17/10/2023	Flat
13 FIRST AND SECOND FLOOR MAISONETTE BURGHLEY ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1UG	£750,000	07/08/2023	Flat
39 - 51 FLAT 301 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT	£1,300,000	14/07/2023	Flat
119 FLAT 48 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1TR	£360,000	26/06/2023	Flat
118 SECOND AND THIRD FLOOR FLAT HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1PB	£580,000	20/01/2023	Flat
13B BURGHLEY ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1UG	£545,000	22/12/2022	Flat
GRANGEMILL FLAT 19 INGESTRE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1XH	£495,000	08/12/2022	Flat
39 - 51 FLAT 506 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT	£1,795,000	03/10/2022	Flat
9A LITTLE GREEN STREET, LONDON, CAMDEN, GREATER LONDON, NW5 1BL	£241,000	27/07/2022	Flat
137F HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1LE	£430,000	18/07/2022	Flat
39 - 51 FLAT 107 HIGHGATE ROAD, LONDON, CAMDEN, GREATER LONDON, NW5 1RT	£985,000	01/07/2022	Flat

Area average: £766,350 (20 sales)

Capital growth trend

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

5y growth -3.8%

10y growth 6.8%

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

1y (index) -8.2%

5y (index) -5.5%

10y (index) -10.8%

Rental Range

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

Low £2,452/mo

Realistic £2,724/mo

Optimistic £2,996/mo

Based on Local Authority from postcode lookup → Camden.

LHA (30th percentile) floor for Inner North London: £1,789/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View NW5 1TR

Nearby

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

Type	Name	Distance
Shop	Eico Pharmacy	0.0 miles
Shop	Kasra Carpets	0.0 miles
Bus stop	Lady Somerset Road	0.0 miles
Train station	Gospel Oak	0.3 miles
Train station	Tufnell Park	0.3 miles
University	Central Belsize Square	1.2 miles
University	Slade School of Fine Art	2.1 miles
Hospital	Proton International @ UCLH	2.2 miles
Hospital	Sleep & Health Clinic	2.2 miles

Street-level crime

Category	Count
Anti-social behaviour	333
Violence and sexual offences	276
Shoplifting	110
Other theft	83
Theft from the person	76
Vehicle crime	66
Public order	61
Criminal damage and arson	49
Drugs	43
Robbery	36
Burglary	35
Bicycle theft	13
Other crime	8
Possession of weapons	7
Total incidents	1196

Within 1 mile during Apr 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
Acland Burghley School	Secondary	0.3 miles	Good — 18 Apr 2018
Eleanor Palmer Primary School	Primary	0.3 miles	Outstanding — 12 Oct 2023
Gospel Oak Primary School	Primary	0.3 miles	Outstanding — 23 Feb 2016
Parliament Hill School	Secondary	0.3 miles	Outstanding — 7 Jul 2024
Wildwood Nature School	Other	0.4 miles	— (No rating)

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
2 Bed Flat, Durston Flats, NW5	£2,400/mo	2	0.4 miles	OpenRent
2 Bed Flat, Grafton Road, NW5	£3,000/mo	2	0.4 miles	OpenRent
2 Bed Flat, Weedington Road, NW5	£2,700/mo	2	0.4 miles	OpenRent
2 Bed Flat, Grafton Road, NW5	£2,600/mo	2	0.44 miles	OpenRent
2 Bed Flat, Brecknock Road, N19	£2,200/mo	2	0.45 miles	OpenRent
2 Bed Flat, Grafton Road, NW5	£2,350/mo	2	0.52 miles	OpenRent
2 Bed Flat, Junction Road, N19	£2,100/mo	2	0.52 miles	OpenRent
2 Bed Flat, Goddard Place, N19	£2,450/mo	2	0.57 miles	OpenRent

Average rent: £2,475/mo (8 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.45%

Max investor price (0.8%) £303,125

Target investor price (1%) £242,500

Gross yield 5.4%

Cost-to-rent ratio 18.6×

Monthly cashflow £31/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.2%

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).