48 Tala Close, Surbiton, KT6 7EY

UPRN:128046469Semi-Detached House4 bedsBuilt -

FreeholdCouncil Tax: -EPC: B (85)

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

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

£734,000

£697k - £771kHigh

Estimate

£734k

Range

£697k – £771k

Rent Estimate (pcm)

£3,100

£3k - £3k

Monthly

£3,100

Yield

5.55%

Verdict

Derived from HomePortfolio scores

48 Tala Close earns an INVESTIGATE rating with HP Score 75/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (53/100). 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 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

75/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

53/ 100

Moderate

Transit & Bike

Transit 14Bike 53

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 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 +8.7% (HIGH), sold-comps -5.2%, £/sqft -5.2%] → 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 128046469· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 6.8%· as of 24 Oct 2026
Rental economics0/40
gross yield 3.6% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 2000/mo (tenanted)· as of 3 Nov 2026
Stress margin0/30
stressed cash flow -1,487/mo, -74% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 62 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

£502,500£770,500

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£670,000

At the asking price

Monthly rent£3,100/mo

Evidenced range £2,850-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £225,800
Net cash flow: -£115/mo
Cash on cash: -0.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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 128046469Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 6.8%Valuation edge · as of 24 Oct 2026
listing_factscontractual rent 2000/mo (tenanted)Rental economics · as of 3 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligence

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Seller motivation could not be scored
context, not scored: 0 price cut(s), 62 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 →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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.
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£734,000

Rent Estimate (pcm)£3,100

Gross Yield5.55%

1y Growth-5.8%

3y Growth-0.1%

5y Growth-0.4%

10y Growth+0.8%

Last Sold Price£580,000 (2018-11-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0KT6 7EY

Approval Rate

-12mo

Development

low

26/02291/TPO
1 x Dead Lawson - Fell.
Pending
26/02169/HOU
Erection of single-storey part front and single-storey part rear extension, demolition of rear outbuilding and erection of replacement detached outbuilding. Changes to fenestrations and addition of 2nos. side windows, with internal and external alterations.
Pending
26/02198/DTN
Two Dead Scots Pine trees
Approved

View Planning Timeline

Ownership

Corporate Ownership58.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-11-22
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 Density1,629 /km²

Owner Occupied68%

Age Distribution

0-15 22%16-64 65%65+ 13%

View Area Profile

Schools Nearby

Tolworth Girls' School and Sixth Form
0.1 mi
Outstanding
Southborough High School
0.4 mi
Good
Tolworth Infant and Nursery School
0.4 mi
Outstanding
Tolworth Junior School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

56 Tala Close
-
£605k
-
46 Tala Close
-
£700k
-
Colthurst House, 92 Tala Close
-
£370k
-
88 Tala Close
-
£650k
-

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