1 Ardmay Gardens, Surbiton, KT6 4SW

UPRN:100021783776Purpose Built Flat2 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band DEPC: C (69)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£517,000

£492k - £543kHigh

Estimate

£517k

Range

£492k – £543k

Rent Estimate (pcm)

£2,250

£2k - £2k

Monthly

£2,250

Yield

4.91%

Verdict

Derived from HomePortfolio scores

1 Ardmay Gardens earns an INVESTIGATE rating with HP Score 85/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (92/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

85/ 100

Strong

Investment Score

70/ 100

High

Crime Score

14/ 100

Low

Walkability

92/ 100

Excellent

Transit & Bike

Transit 64Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 2 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -6.4% (HIGH), sold-comps -6.2%, £/sqft -6.2%] → 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100021783776· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 8.8%· as of 1 Nov 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.84
- valuation_snapshotsrent estimate 2250/mo (range 2050-2450)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -797/mo, -35% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 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 2 Nov 2026
Risk & liquidity14.7/15
354 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

£412,500£632,500

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£550,000

At the asking price

Monthly rent£2,250/mo

Evidenced range £2,050-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£299/mo
Cash on cash: -1.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.21 - 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 100021783776Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 8.8%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2250/mo (range 2050-2450)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 2250/mo (range 2050-2450)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£517,000

Rent Estimate (pcm)£2,250

Gross Yield4.91%

1y Growth-

3y Growth-0.1%

5y Growth-0.4%

10y Growth+0.8%

Last Sold Price£508,000 (2019-12-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0KT6 4SW

Approval Rate

-12mo

Development

low

26/02344/TCA
T1: Cherry - Reduce by 1 metre. T2: Green gage - Reduce by 50 cm.
Pending
26/02313/TPO
T1: Silver Birch - 0.5-1m Crown reduction.
Pending
26/02309/NMA
Application for a Non-Material Amendment to Planning Permission ref: 25/01574/FUL (Change of use from care home (Use Class C2) to a large House in Multiple Occupation (HMO) providing specialist supported accommodation for vulnerable individuals (Use Class Sui Generis), including associated external alterations, changes to fenestration, provision of refuse storage, vehicle and cycle parking, landscaping and plant). Amendment to relocate the refuse and recycling store.
Pending

View Planning Timeline

Ownership

Corporate Ownership58.6%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-12-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£41,833

Population Density10,112 /km²

Owner Occupied44%

Age Distribution

0-15 13%16-64 76%65+ 11%

View Area Profile

Schools Nearby

Surbiton High School
0.1 mi
Inspected by ISI
The Hollyfield School and Sixth Form Centre
0.2 mi
Inspected as The Hollyfield School and Sixth Form Centre (URN 102600) on 11 May 2011
Maple Infants' School
0.3 mi
Good
St Andrew's and St Mark's CofE Junior School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Ardmay Gardens
-
£570k
-
3 Ardmay Gardens
-
£535k
-
12 Ardmay Gardens
-
£495k
-
6 Ardmay Gardens
-
£490k
-

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