Flat 12, Albany House, 21 Lovelace Road, Surbiton, KT6 6JP

UPRN:128030541Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band EEPC: B (81)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 1mo agoArea· Census 2021

Flat 12, Albany House, 21 Lovelace Road, Surbiton, KT6 6JP

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£446,000

£424k - £469kHigh

Estimate

£446k

Range

£424k – £469k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

5.70%

Verdict

Derived from HomePortfolio scores

Flat 12 earns an INVESTIGATE rating with HP Score 82/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (76/100). 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 NationsMarket 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

82/ 100

Strong

Investment Score

72/ 100

High

Crime Score

12/ 100

Low

Walkability

76/ 100

High

Transit & Bike

Transit 42Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 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 +10.3% (HIGH), sold-comps +3.6%, £/sqft +3.5%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 128030541· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%· as of 1 Nov 2026
Rental economics5/40
gross yield 5.7%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1900/mo (range 1750-2050)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -421/mo, -22% 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 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 2 price cut(s), 65 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 3 Nov 2026
Risk & liquidity14.6/15
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

£300,000£460,000

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£400,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,750-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £131,300
Net cash flow: -£35/mo
Cash on cash: -0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - 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 128030541Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1900/mo (range 1750-2050)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 1900/mo (range 1750-2050)
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.
2 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£446,000

Rent Estimate (pcm)£1,900

Gross Yield5.70%

1y Growth-

3y Growth-0.1%

5y Growth-0.4%

10y Growth+0.8%

Last Sold Price£300,000 (2004-03-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0KT6 6JP

Approval Rate

-12mo

Development

low

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
26/02293/TCA
T1540: (Goat Willow) - Pollard - Previous pollard height.
Pending
26/02290/TCA
T2: Yew - Cut back to fence line on No. 5 side
Pending

View Planning Timeline

Ownership

Corporate Ownership58.6%
Overseas OwnershipNo
Lease Term Remaining101 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2004-03-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£41,833

Population Density-

Owner Occupied38%

Age Distribution

0-15 16%16-64 73%65+ 11%

View Area Profile

Schools Nearby

Long Ditton Infant and Nursery School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Andrew's and St Mark's CofE Junior School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Lime Tree Primary School
0.5 mi
Good
St Matthew's CofE Primary School
0.5 mi
-

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Albany House Lovelace Road
-
£450k
-
Albany House Lovelace Road
-
£425k
-
Albany House Lovelace Road
-
£470k
-
Albany House Lovelace Road
-
£425k
-

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