32 Chatham Road, Kingston upon Thames, KT1 3AA

UPRN:100021756527Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: F (22)

Data freshness:Listing· freshPlanning· 1mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

32 Chatham Road, Kingston upon Thames, KT1 3AA

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£928,000

£881k - £974kHigh

Estimate

£928k

Range

£881k – £974k

Rent Estimate (pcm)

£2,600

£2k - £3k

Monthly

£2,600

Yield

2.84%

Verdict

Derived from HomePortfolio scores

32 Chatham Road earns an INVESTIGATE rating with HP Score 76/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (78/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

78/ 100

High

Transit & Bike

Transit 53Bike 67

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -18.5% (HIGH), sold-comps -25.1%, £/sqft -25.1%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 10 Nov 2026
- valuation_snapshotsestimate for 100021756527· as of 10 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 15.3%· as of 28 Oct 2026
Rental economics0/40
gross yield 2.8%; range width penalty ×0.66
- valuation_snapshotsrent estimate 2600/mo (range 2250-2950)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,860/mo, -110% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 116 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 9 Nov 2026
Risk & liquidity14.6/15
184 sales/12mo in area; valuation range width 10%
- 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

£825,000£1,265,000

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£1,100,000

At the asking price

Monthly rent£2,600/mo

Evidenced range £2,250-£2,950

Interest rate5.4%

Loan to value75%

Cash required: £385,050
Net cash flow: -£1,913/mo
Cash on cash: -6.0%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.70 - below 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 100021756527Valuation edge · as of 10 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 15.3%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 2600/mo (range 2250-2950)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026

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 2600/mo (range 2250-2950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 116 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£928,000

Rent Estimate (pcm)£2,600

Gross Yield2.84%

1y Growth+177.7%

3y Growth-8.6%

5y Growth+0.6%

10y Growth+1.0%

Last Sold Price£495,000 (2011-03-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1KT1 3AA

Approval Rate

-12mo

Development

low

26/02299/NMA
Application for a Non-Material Amendment to Planning Permission ref: 24/02624/CREG3 (Provision of a new leisure centre comprising main pool and learner pool, fitness studios, gym, sports halls, health suite, changing facilities, cafe, soft play, enhancements to the existing play area, landscaping and public realm, cycle parking, blue badge car parking, access and associated works. Listed building consent for partial removal of Kingston Museum boundary railings and wall and changes to the Kingston Museum garden.). Amendments comprising minor landscape and public realm refinements; revisions to access, parking, cycle parking and tree planting; detailed updates to the building elevations, facade components, plant and services; and minor internal layout improvements.
Pending
26/02285/CPU
Erection of roof extension with side and rear dormer. Internal alterations and all associated works.
Pending
26/02259/FUL
Change of use from retail (Use Class E) to restaurant and the installation of extractor ventilation system. Alteration to shop front.
Pending

View Planning Timeline

Ownership

Corporate Ownership50.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-03-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£41,833

Population Density12,246 /km²

Owner Occupied39%

Age Distribution

0-15 20%16-64 70%65+ 10%

View Area Profile

Schools Nearby

Spring School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Tiffin School
0.2 mi
Good
Kingston Grammar School
0.3 mi
Inspected by ISI
St Joseph's Catholic Primary School
0.3 mi
Inspected as St Joseph's Catholic Primary School (URN 102596) on 4 Jul 2024

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

View All Schools

Comparables

View All

6 Chatham Road
-
£1.01M
-
40 Chatham Road
-
£895k
-
46 Chatham Road
-
£825k
-
58 Chatham Road
-
£998k
-

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