27 Schoolgate Drive, Morden, SM4 5BF

UPRN:48128057Detached House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: -EPC: C (72)AI-Powered Intelligence

Data freshness:Listing· freshPrice Paid· 2mo agoPlanning· 2mo agoEPC· 4mo agoRisk· 3mo agoCrime· freshConnectivity· 3mo agoSchools· 3mo agoAmenities· 3mo agoArea· Census 2021

Location map - no listing photos available

HP Score

/ 100

High Potential

Verdict

today

BUY
Strong overall fundamentals
INVESTIGATE
Some risks
AVOID
High risk factors

Confidence

High

Sale Estimate

£609,000

£578k - £639kHigh

Estimate

£609k

Range

£578k – £639k

Rent Estimate (pcm)

£2,350

£2k - £3kMedium

Monthly

£2,350

Yield

5.97%

AI Verdict

Derived from HomePortfolio scores

AI summary

27 Schoolgate Drive earns a BUY rating with HP Score 81/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (79/100). Flood risk is rated very low. Tenure is freehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

81/ 100

High

Investment Score

68/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

79/ 100

High

Transit & Bike

High

Real Data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 16 Sept 2026

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

Valuation edge0/40
claims [AVM +1.5% (HIGH), sold-comps -0.3%, £/sqft -0.3%] → consensus -0.3% → credited 0.0% after backtest shrinkage; sources disagree - edge zeroed by the weaker claim
- zoopla_valuationsestimate for 48128057· as of 12 Aug 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 11.8%· as of 9 Sept 2026
Rental economics0/30
gross yield 4.7%; range width penalty ×0.77
- zoopla_valuationsrent estimate 2350/mo (range 2100-2600)· as of 12 Aug 2026· verify before relying on this
Seller motivation5/20
0 price cut(s), 197 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 16 Sept 2026
Risk & liquidity9.8/10
216 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Calibrated against 6,141 realised listing→HMLR-sale outcomes, estimates taken as-of listing month. A large discount from one source alone is capped - independent sources must agree before it counts fully.

Economics

What happens to your money

Price sensitivity

£450,000£690,000

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£600,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,100-£2,600

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: -£398/mo
Cash on cash: -2.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.16 - 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

zoopla_valuationsestimate for 48128057Valuation edge · as of 12 Aug 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 11.8%Valuation edge · as of 9 Sept 2026
zoopla_valuationsrent estimate 2350/mo (range 2100-2600)Rental economics · as of 12 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 16 Sept 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 2350/mo (range 2100-2600)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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£609,000

Rent Estimate (pcm)£2,350

Gross Yield5.97%

1y Growth+6.5%

3y Growth-0.2%

5y Growth+1.1%

10y Growth+2.3%

Last Sold Price£319,995 (2010-12-14)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence3
RadonLow
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SM4 5BF

Approval Rate

-12mo

Development

low

DM2026/01002
Erection of an attached two storey dwelling involving alteration of existing roofline to original dwelling, with cycle and refuse storage to rear and associated boundary treatment.
Pending
DM2026/00953
Display of one internally illuminated fascia sign wrapping around the front and both sides of the entrance canopy, two internally illuminated projecting box signs, three internally illuminated poster box signs, four non illuminated vinyl signs and provision of strip lighting above the canopy/fascia sign and below the entrance canopy to a listed building.
Pending
TREE2026/00101
TPO 325 - Cedar of Lebanon - Remove broken branch.
Approved

View Planning Timeline