# 1 bedroom flat for sale (SE19 3NW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 42 QUEEN MARY ROAD, LONDON, UPPER NORWOOD, GREATER LONDON SE19 3NW |
| Price | £300,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Last sold | £267,500 Jan 2026 |

## Description

Nestled on the charming Queen Mary Road, this delightful flat offers a perfect blend of classic elegance and modern convenience. Housed within a Victorian conversion dating, the property exudes character and warmth, making it an inviting home for individuals or couples.

The flat features a spacious reception room, ideal for both relaxation and entertaining guests. The well-proportioned double bedroom provides a peaceful retreat, ensuring restful nights and a comfortable living experience. The bathroom is thoughtfully designed, catering to all your daily needs.

One of the standout features of this property is the rear garden, a rare find in London flats. This outdoor space offers a tranquil escape from the hustle and bustle of city life, perfect for enjoying a morning coffee or hosting summer gatherings.

With its prime location, this flat is well-connected to local amenities, transport links, and the vibrant culture of Crystal Palace park 1.6 miles away. Whether you are seeking a sound investment, this property presents an excellent opportunity to embrace the charm of Victorian living in a bustling urban setting.

Croydon Council: Band B (£1929.00)

Share of Freehold

Remaining years: Vendor will be extending the lease as part of the sale

Ground Rent: £0

Service Charge: SHARED AD HOC

Safeguarding Your Information – Important Notice on Cybercrime

Cybercrime is a serious risk in property transactions. Criminals may attempt to intercept email correspondence and trick you into transferring funds to a fraudulent account.

Please note:

Galloways will never notify you of changes to bank account details by email.

Always verify bank details in person or by calling your solicitor/agent using a trusted telephone number before transferring any money.

Be vigilant against unexpected emails, attachments, or requests for financial information.

If you receive any communication that seems suspicious, contact us immediately before taking any action.

Disclaimer

These particulars are provided as a general outline only for the guidance of intending purchasers or lessees and do not form part of any offer or contract. All descriptions, dimensions, references to condition, and necessary permissions for use and occupation are given in good faith and believed to be correct, but prospective purchasers, lessees, or third parties should not rely on them as statements or representations of fact and must satisfy themselves by inspection or otherwise as to their accuracy.

No responsibility is taken for any error, omission, or misstatement. We have not carried out a structural survey, nor tested the services, appliances, or specific fittings. All photographs, measurements, floor plans, and distances are for guidance only and should not be relied upon for the purchase of carpets or other fixtures or fittings. External areas and features, as well as tenure and lease details, cannot be guaranteed and must be verified by a solicitor. Lease terms, service charges, and ground rents are provided as a guide only and should be confirmed by legal advisors.

No person in the employment of Galloways has any authority to make or give any representation or warranty in relation to this property. Quoted prices, rents, or other costs are correct at the time of publication and, unless otherwise stated, are exclusive of VAT.

Data Protection

We take the protection of personal information seriously. Any data provided to Galloways will be processed in accordance with the UK General Data Protection Regulation (GDPR) and the Data Protection Act 2018. Personal information will only be used for the purposes of your property enquiry and will not be shared with third parties without your consent.

We also retain the copyright in all advertising material used to market this property.

Disclosure of Referral Fees

As well as any commission or fees you pay to Galloways, we may also receive a commission, payment, fee, or other reward (known as a referral fee) from selected service providers for recommending their services to you.

We believe our clients may benefit from using the services of our recommended solicitors, mortgage advisers, concierge service, and surveyors. The providers we regularly work with are:

Solicitors: Lewis Nedas Law, Setfords Solicitors, Taylor Rose Solicitors

Mortgage/Financial Services: Trinity Finance, Eternity Financial Services

Surveyors: Reliable Surveyors, MAP Surveyors

Concierge: Help the Move

If you choose to use one of these providers, please note the following:

For Lewis Nedas Law, Setfords Solicitors, and Taylor Rose Solicitors, Galloways receives a referral fee of £180.00 inc VAT per referral.

For MAP Surveyors, Galloways receives a referral fee of £50.00 inc VAT per referral.

For mortgage and financial services, Galloways may receive a referral fee, the amount of which depends on the property value and mortgage level. Details are available on request.

You are under no obligation to use any of the recommended providers. Should you accept our recommendation, the relevant provider is expected to pay us the corresponding referral fee. This referral fee is separate from your obligation to pay Galloways’ own fees or commission.

Tenant Fee Information

(For all new Assured Shorthold Tenancies signed on or after 1st June 2019)

•Holding Deposit – One week’s rent. Retained only if you withdraw, fail a Right-to-Rent check, provide false or misleading information, or fail to sign the tenancy agreement/guarantee within 15 days.

•Tenancy Deposit – Up to five weeks’ rent (annual rent under £50,000) or six weeks’ rent (annual rent £50,000 or above).

•Late Rent Payments – Interest at 3% above the Bank of England base rate from the rent due date until paid (applies once rent is 14+ days in arrears, backdated to the due date).

•Lost Keys / Security Devices – Cost of replacement. If locks must be changed, tenants are responsible for the locksmith, new lock, and replacement keys.

•Tenancy Variations / Changes – £50 (inc. VAT) per agreed change. This covers landlord instructions, preparation of legal documents, and change-of-sharer situations, including associated legal costs.

•Early Termination – If you leave before the end of your tenancy and the landlord agrees, you will be liable for the landlord’s costs to re-let the property, plus rent due until a replacement tenancy commences.

•Utility Payments – Tenants remain responsible for all utility bills, Council Tax, and TV license, unless otherwise agreed. Refer to your tenancy agreement for details.

Regulatory Memberships

Galloways is a member of Propertymark (ARLA & NAEA) and The Property Ombudsman (TPO). Client money is protected through CMP.

## Property Photos

- ![Photo](/listings/photos/163237481/356559)
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## Floorplans

- ![Queen Mary Road](/listings/photos/163237481/356574) - Queen Mary Road

## EPC Graphs

- ![EE Rating](/listings/photos/163237481/356575) - EE Rating

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 42 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £267,500 | 16/01/2026 | Flat |
| 42 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £49,750 | 08/05/1998 | 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 |
|---------|-------|------|------|
| CROWN POINT 14 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3NF | £295,000 | 25/07/2025 | Flat |
| 307 FLAT 36 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3UZ | £315,000 | 26/11/2024 | Flat |
| CROWN POINT 21 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3NF | £150,000 | 14/12/2023 | Flat |
| LEWIS HOUSE, 224 FLAT 11 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3UX | £449,000 | 09/11/2023 | Flat |
| 280 FLAT 1 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3HF | £450,000 | 01/08/2023 | Flat |
| HOOK HOUSE FLAT 5 KNIGHTS HILL, LONDON, LAMBETH, GREATER LONDON, SE27 0EN | £285,000 | 28/07/2023 | Flat |
| 15B QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NN | £405,000 | 28/07/2023 | Flat |
| CROWN POINT 18 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3NF | £250,000 | 27/07/2023 | Flat |
| 216 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3UX | £150,000 | 05/05/2023 | Flat |
| 37 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NN | £450,000 | 21/04/2023 | Flat |
| 16 MOORE ROAD, LONDON, CROYDON, GREATER LONDON, SE19 3RA | £215,000 | 24/02/2023 | Flat |
| 8 MOORE ROAD, LONDON, CROYDON, GREATER LONDON, SE19 3RA | £193,130 | 07/12/2022 | Flat |
| 117A QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NL | £337,500 | 02/12/2022 | Flat |
| 294 FLAT 1 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3HF | £370,000 | 30/11/2022 | Flat |
| [Same street] COURTEEN QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £315,000 | 25/11/2022 | Flat |
| 121 FLAT 3 QUEEN MARY ROAD, LONDON, CROYDON, GREATER LONDON, SE19 3NL | £120,000 | 23/11/2022 | Flat |
| 59A QUEEN MARY ROAD, LONDON, CROYDON, GREATER LONDON, SE19 3NL | £450,000 | 31/10/2022 | Flat |
| 71 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NL | £329,000 | 27/10/2022 | Flat |
| 29 BEAUMONT ROAD, LONDON, CROYDON, GREATER LONDON, SE19 3QZ | £380,000 | 21/10/2022 | Flat |
| 316 FLAT 2 BEULAH HILL, LONDON, CROYDON, GREATER LONDON, SE19 3HF | £390,000 | 30/09/2022 | Flat |
| [Same street] 24 THE FIRST FLOOR FLAT AT QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £417,500 | 29/09/2022 | Flat |
| [Same street] 52 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £365,000 | 27/09/2022 | Flat |
| 23A BEAUMONT ROAD, LONDON, CROYDON, GREATER LONDON, SE19 3QZ | £325,000 | 13/09/2022 | Flat |
| [Same street] TUDOR HOUSE FLAT 2 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £330,000 | 01/07/2022 | Flat |
| [Same street] 32 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £400,000 | 25/04/2022 | Flat |
| [Same street] 22A QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £378,000 | 12/01/2022 | Flat |
| [Same street] 48 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £353,000 | 15/07/2021 | Flat |
| [Same street] 54 QUEEN MARY ROAD, UPPER NORWOOD, LONDON, CROYDON, GREATER LONDON, SE19 3NW | £382,000 | 18/06/2021 | Flat |

**Street average:** £367,563 (8 sales)
**Area average:** £315,432 (20 sales)

## Price vs local average

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

- **Local average:** £376,427 (78 Flat, SE19, 2024–2026)
- **Deviation:** -20.3%

## Rental Range

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

- **Low:** £1,409/mo
- **Realistic:** £1,565/mo
- **Optimistic:** £1,722/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £898/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 |
|------|------|------|------|------|
| Studio Flat, Beulah Hill, SE19 | £1,295/mo | 1 | 0.18 miles | OpenRent |
| 1 Bed Flat, Thornlaw Road, SE27 | £1,625/mo | 1 | 0.58 miles | OpenRent |

**Average rent: £1,460/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.49% (weak for cashflow)
- **Max investor price (0.8%):** £182,500
- **Target investor price (1%):** £146,000

*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 £1,460/mo).*

- **Gross yield:** 5.8%
- **Cost-to-rent:** 17.1×
- **Monthly cashflow:** £108/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.5%

*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:** -3.5%
- **10y growth:** 0.4%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** -6.3%
- **5y growth (index):** -8.2%
- **10y growth (index):** 2.8%

## 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)