Flat 3, Oakmead Green, Epsom, KT18 7JS

UPRN:100061362099Flat/Maisonette1 bedsBuilt 1983-1990

LeaseholdCouncil Tax: -EPC: D (64)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£184,000

£175k - £193kHigh

Estimate

£184k

Range

£175k – £193k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

5.67%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 71/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (28/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

28/ 100

Low

Transit & Bike

Transit 18Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 10 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 edge2.5/15
claims [AVM +2.2% (HIGH), sold-comps +29.4%, £/sqft +29.4%] → measured edge +0.50pp 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 14 Nov 2026
- valuation_snapshotsestimate for 100061362099· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 12.2%· as of 7 Nov 2026
Rental economics5.1/40
gross yield 5.7%; range width penalty ×0.96
- valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -265/mo, -31% 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 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 80 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 10 Nov 2026
Risk & liquidity14.7/15
166 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

£135,000£207,000

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£180,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: -£19/mo
Cash on cash: -0.4%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.40 - 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 100061362099Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 12.2%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 850/mo (range 800-900)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 850/mo (range 800-900)
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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£184,000

Rent Estimate (pcm)£850

Gross Yield5.67%

1y Growth-

3y Growth+8.4%

5y Growth+2.2%

10y Growth+4.1%

Last Sold Price£181,000 (2022-11-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningSignificant
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0KT18 7JS

Approval Rate

-12mo

Development

low

26/01287/NMA
Non-Material Amendments to planning permission 26/01121/FLHF to widen the bi-fold doors to the approved single storey rear extension
Pending
26/01284/FLH
Construction of a 3m-deep single-storey rear extension with a pitched roof and three rooflights.
Pending
26/01232/TPO
Oak T8 (101/T6) - Fell and treat stump with eco-plugs
Pending

View Planning Timeline

Ownership

Corporate Ownership58%
Overseas OwnershipNo
Lease Term Remaining83 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-11-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,006

Population Density-

Owner Occupied67%

Age Distribution

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

View Area Profile

Schools Nearby

Rosebery School
0.2 mi
Outstanding
St Joseph's Catholic Primary School
0.4 mi
Outstanding
Kingswood House School
0.6 mi
Inspected by ISI
St Martin's Church of England Infant School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

34 Oakmead Green
-
£310k
-
32 Oakmead Green
-
£345k
-
35 Oakmead Green
-
£350k
-
19 Oakmead Green
-
£215k
-

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