28 Farm Road, Morden, SM4 6RB

UPRN:48026381Terrace Property5 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band EEPC: D (68)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo 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

18 of 21 sources

Sale Estimate

£622,000

£591k - £653kHigh

Estimate

£622k

Range

£591k – £653k

Rent Estimate (pcm)

£3,150

£3k - £3k

Monthly

£3,150

Yield

6.05%

Verdict

Derived from HomePortfolio scores

28 Farm Road earns an INVESTIGATE rating with HP Score 77/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (84/100). 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 NationsOfcom mobile coverageMarket estimates (third-party AVM)Defra 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

77/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 45Bike 70

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -0.5% (HIGH)] → 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 13 Oct 2026
- valuation_snapshotsestimate for 48026381· as of 13 Oct 2026
Rental economics7.4/40
gross yield 6.0%; range width penalty ×0.88
- valuation_snapshotsrent estimate 3150/mo (range 2900-3400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -451/mo, -14% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 105 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 4 Nov 2026
Risk & liquidity14.6/15
218 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

£469,000£719,000

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£625,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,900-£3,400

Interest rate5.4%

Loan to value75%

Cash required: £210,050
Net cash flow: £71/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): 1.49 - 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 48026381Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 3150/mo (range 2900-3400)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3150/mo (range 2900-3400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 105 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 →

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£622,000

Rent Estimate (pcm)£3,150

Gross Yield6.05%

1y Growth-19.8%

3y Growth+1.6%

5y Growth+1.7%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1SM4 6RB

Approval Rate

-12mo

Development

low

DM2026/01013
Listed building consent to display 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.
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.
Approved
DM2026/00906
Removal of 3 antennas, 1 antenna tripod frame, and 2 remote radio unit (RRU) poles and installation of 6 new antennas, 1 replacement antenna tripod frame, 2 0.3m transmission dishes, 2 no. RRU poles and ancillary development including 17 RRU's provision of free standing handrail and access steps.
Pending

View Planning Timeline