10 Downing Street, London, SW1A 2AA
UPRN: 100023336956 · SW1A 2AA · City of Westminster
AI Executive Summary
HouseDossier AI - Claude
Executive Summary
AI Generated10 Downing Street is a Grade I listed mid-terrace property in Westminster with strong connectivity and excellent schools nearby. The property has demonstrated consistent capital growth, appreciating nearly 6x since 1995. Key considerations include the D EPC rating with significant improvement potential, surface water flood risk rated medium, shrink-swell clay subsidence risk from the London Clay Formation, and removal of permitted development rights under Article 4 Direction. The absence of contaminated land or mining risk is a positive. Central London crime rates are elevated compared to national averages, though this is typical for the area.
Red Flags
EPC D rating - current energy costs estimated at £4,000/year; significant investment required for heat pump upgrade
Permitted development rights removed - Article 4 Direction means all external changes need formal planning consent
Listed building (Grade I) - specialist listed building consent required for most works; specialist insurer required
Surface water flood risk rated Medium - consider drainage maintenance
Grant Opportunities
The Boiler Upgrade Scheme could provide up to £7,500 towards a heat pump installation, which combined with 0% VAT relief could significantly reduce the cost of upgrading from the current gas system. Solar panels are viable given roof orientation and would qualify for Smart Export Guarantee payments. ECO4 is unlikely to apply given the property's council tax band.
Historical Narrative
Originally built in the 1680s by Sir George Downing, Number 10 has been the official residence of British Prime Ministers since 1735. The current building is a deceptively large complex - the famous front door belies an interior of over 100 rooms spread across three interconnected townhouses. The London Clay beneath Westminster is responsible for both the city's stability over centuries and the periodic subsidence challenges that affect the borough.
A. Property Identity
HM Land Registry / Historic England
- Ownership
- Freehold
- Registered
- Yes
- Listed Building
- Grade I
- Conservation Area
- Whitehall
B. Sale & Price History
HM Land Registry Price Paid Data
| Date | Address | Price | Type |
|---|---|---|---|
| 24/07/2019 | - | £3,200,000 | terraced |
| 11/05/2010 | - | £2,150,000 | terraced |
| 19/03/2001 | - | £975,000 | terraced |
| 03/08/1995 | - | £540,000 | terraced |
Ceiling Price Analysis
HM Land Registry Price Paid Data (1-mile radius)
£7,250,000
4 Queen Anne's Gate, London (SW1H 9AA) - Terraced - sold Sept 2024, 0.22 mi away
The local market has paid up to 127% more than this property's last recorded sale price - useful headroom if you're weighing up renovations or an extension.
Median sale
£1,180,000
102 sales since 2021
Top 25% paid over
£2,150,000
102 sales since 2021
Top 10% paid over
£3,900,000
102 sales since 2021
Sales analysed
102
since 2021 (ceiling)
Ceiling by property type
| Terraced | £7,250,000 |
| Flat / Maisonette | £4,100,000 |
| Other | £2,350,000 |
Highest sales within ¼ mile
- 14 Queen Anne's Gate, London£7,250,000
- 218 Old Queen Street, London£5,400,000
- 3Flat 9, 1 Great George Street, London£4,100,000
Based on 1,424 HM Land Registry recorded sales within ~1 mile since March 2021. Distances are measured between postcode centroids. The ceiling price is the highest standard (arm's-length) residential sale recorded.
C. Energy Performance Certificate
MHCLG Open Data Communities
Current Rating
Property Details
- Property Type
- Mid-terrace house
- Built Form
- Mid-Terrace
- Floor Area
- 540 m²
- Construction Age
- 1900-1929
- Walls
- Solid brick, as built, no insulation (assumed)
- Roof
- Pitched, 25+ mm loft insulation
- Windows
- Single glazed
- Heating
- Boiler and radiators
- Heating Fuel
- Gas
- Hot Water
- From main system
Estimated Annual Energy Costs
Heating
£3200
Hot Water
£520
Lighting
£280
Total
£4000
CO₂ Emissions: 8.4 tonnes/year
Certificate valid until 14/04/2033 · Inspected 15/04/2023
Improvement Recommendations
Floor insulation (solid floor)
+2Upgrade to double glazing
+3Solar panels (3.5 kWp)
+8Heat pump (air source)
+12D. Grant Eligibility
MHCLG / Ofgem / HMRC
Boiler Upgrade Scheme
Up to £7,500Expires March 2028Government grant towards heat pump installation (up to £7,500).
Property type is eligible. Existing gas boiler would need to be replaced with heat pump.
- Must use MCS-certified installer
- Existing EPC required
- Must not have received scheme funding before
ECO4 Scheme
Energy Company Obligation - funded insulation and heating upgrades for eligible households.
ECO4 is means-tested. Properties in this council tax band are unlikely to qualify.
- Property must be Band D or lower
- Household must receive qualifying benefits
Warm Homes Local Grant
Local authority-delivered grant for low-income households improving energy efficiency.
Eligibility depends on local authority allocation. Contact Westminster City Council.
- Subject to local authority grant availability
Smart Export Guarantee
Export tariff payments for surplus solar electricity fed back to the grid.
If solar panels are installed, eligible to earn from grid export.
- Must have MCS-certified solar installation
- Smart meter required
VAT Relief (5%)
Reduced VAT rate on qualifying energy efficiency measures and renewable installations.
Insulation and renewable energy installations qualify for 0% VAT.
- Work must be carried out by VAT-registered contractor
SDLT Relief
Stamp Duty Land Tax relief for first-time buyers or certain property types.
SDLT relief eligibility depends on buyer circumstances (first-time buyer, etc.).
- First-time buyer threshold applies
- Subject to purchase price bands
E. Flood & Water Risk
Environment Agency
River & Sea Flooding
Probability of flooding from nearby rivers, streams or the sea.
Surface Water Flooding
Risk from rainwater that cannot drain away, or sewer overflow.
Groundwater Flooding
Risk from water emerging from the ground due to high water tables.
No recorded flood incidents found for this property in the Environment Agency database.
F. Ground & Geological Risk
British Geological Survey GeoSure
Subsidence & Ground Stability
Coal Mining
Not in Risk AreaNo coal mining activity recorded in this area.
Non-Coal Mining
No significant non-coal mineral extraction history in this area.
Radon Gas
Band 1Less than 1% of properties in this area are estimated to be above the Action Level.
Very low radon potential. No protective measures required.
Bedrock Geology
London Clay Formation
Thick clay deposit characteristic of the London Basin. Associated with shrink-swell subsidence risk.
G. Utilities & Connectivity
Ofcom / Xoserve
Broadband
Max Download Speed
Max Upload Speed
| Type | Download | Upload | Availability |
|---|---|---|---|
| FTTP (Full Fibre) | 1000 Mbps | 220 Mbps | Available |
| FTTC (Superfast) | 80 Mbps | 20 Mbps | Available |
| Cable (Virgin) | 500 Mbps | 50 Mbps | Available |
Mobile Coverage
| Operator | Indoor Voice | Indoor 4G | Indoor 5G | Outdoor 4G | Outdoor 5G |
|---|---|---|---|---|---|
| EE | |||||
| O2 | |||||
| Vodafone | |||||
| Three |
Gas Network
< 25m
Connected to the National Gas Transmission System. On-grid gas. Meter present.
Electricity
DNO: UK Power Networks (UKPN)
Served by UK Power Networks - London distribution area. Overhead and underground cables in the vicinity.
Water Supplier
Thames Water
Thames Water serves this postcode. Very hard water - TDS approximately 290 mg/l CaCO₃.
H. Planning History
City of Westminster Planning Portal
Permitted Development Rights: Removed or restricted
Permitted development rights are removed by Article 4 Direction. All external alterations require formal consent.
Tree Preservation Orders: 3
Three mature plane trees protected within St James's Park - within the immediate setting.
Planning Applications (100m radius)
23/01234/FULLFullSingle-storey rear extension and internal alterations
22/05678/LBCListed Building ConsentReplacement of sash windows - like-for-like
24/00123/PRIORPrior ApprovalPrior approval for telecommunications equipment on roof
Nearby Developments
21/04567/OUTLOutlineMixed-use development - offices and residential (120 units)
I. Local Area
Ofsted / police.uk / ONS
Primary Schools
St James CE Primary School
St Vincent de Paul RC Primary
Secondary Schools
Westminster Academy
Gateway Academy Westminster
National Comparison
Crime rate is above the national average for this category of area.
Period
Jan–Dec 2025
Crime by Category - 467 incidents total
Demographics
Population Density
9,300/km²
Median Age
34 years
Tenure Mix
Index of Multiple Deprivation
Decile 8/10 · Score 12
Air Quality: Moderate
Noise Exposure
Road
65–69 dB(A)
Rail
< 55 dB(A)
Aircraft
< 50 dB(A)
Water Hardness: Very Hard
290 mg/l CaCO₃ · Supplied by Thames Water
Transport Links
Nearby Food Establishments
J. Financial
Valuation Office Agency / HMRC
Council Tax
Approx. £361/month (10-month payment)
Stamp Duty (SDLT)
At last sale price £3,200,000Worked example using this property's last recorded sale price - your actual SDLT depends on the price you agree today. Rates effective 1 April 2025 (England & NI). Consult a solicitor for your exact position.
Insurance Risk Profile
- Surface water flood risk - medium
- Central London crime rate - elevated
- Listed building - specialist insurer recommended
- Very hard water - increased scale risk to appliances
Insurance risk is derived from flood risk, ground stability, and area crime data. For accurate quotes, contact insurers directly.
Sample Report Disclaimer
This is a sample report using representative data for 10 Downing Street, London. Some data points may be illustrative. For information purposes only. Not a professional search, survey, or legal advice. Not a substitute for formal conveyancing searches. Data may be incomplete or out of date.
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