31 Merton Gardens, Petts Wood, Orpington, BR5 1DA

UPRN:100020467461Semi-Detached House6 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: D (63)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

31 Merton Gardens, Petts Wood, Orpington, BR5 1DA

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£844,000

£759k - £928kMedium

Estimate

£844k

Range

£759k – £928k

Rent Estimate (pcm)

£3,800

£4k - £4k

Monthly

£3,800

Yield

5.07%

Verdict

Derived from HomePortfolio scores

31 Merton Gardens earns an INVESTIGATE rating with HP Score 75/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (68/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

27/ 100

Moderate

Walkability

68/ 100

Moderate

Transit & Bike

Transit 41Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -6.6% (MEDIUM)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100020467461· as of 9 Nov 2026
Rental economics0.5/40
gross yield 5.1%; range width penalty ×0.86
- valuation_snapshotsrent estimate 3800/mo (range 3500-4150)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,134/mo, -30% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 44 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 12 Nov 2026
Risk & liquidity12.8/15
365 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£675,000£1,035,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£900,000

At the asking price

Monthly rent£3,800/mo

Evidenced range £3,500-£4,150

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£407/mo
Cash on cash: -1.6%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.25 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 100020467461Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3800/mo (range 3500-4150)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 3800/mo (range 3500-4150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 44 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£844,000

Rent Estimate (pcm)£3,800

Gross Yield5.07%

1y Growth-

3y Growth+1.9%

5y Growth+1.6%

10y Growth+2.8%

Last Sold Price£200,000 (2001-09-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BR5 1DA

Approval Rate

100%12mo

Development

low

26/04374/HPA
Conversion and extension of detached garage at rear of garden to gym and office ancillary building
Pending
26/03365/CON
Details submitted to comply with the requirements of the following conditions relating to planning permission 26/03365/LBC: Condition 6 - Boxing-in and illuminated wall feature details
Pending
26/04347/HPA
Demolition of existing side conservatory, construction of single storey side extension, single storey rear extension, single storey front porch extension, loft conversion including one rear roof dormer, chimney removal, front and rear rooflights and elevational alterations.
Pending

View Planning Timeline

Ownership

Corporate Ownership77%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2001-09-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

25 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,981

Population Density2,079 /km²

Owner Occupied73%

Age Distribution

0-15 22%16-64 60%65+ 18%

View Area Profile

Schools Nearby

St James' Roman Catholic Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Southborough Primary School
0.4 mi
Inspected as Southborough Primary School (URN 101601) on 13 Feb 2020
Bromley High School GDST
0.5 mi
Inspected by ISI
Crofton Junior School
0.8 mi
Outstanding

4 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

34 Merton Gardens
-
£650k
-
8 Merton Gardens
-
£795k
-
6 Merton Gardens
-
£550k
-
22 Merton Gardens
-
£422k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN