32 Love Lane, Morden, SM4 6LL

UPRN:48045196Mid Terrace House2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band CEPC: D (64)

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

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£486,000

£437k - £535kMedium

Estimate

£486k

Range

£437k – £535k

Rent Estimate (pcm)

£2,450

£2k - £3k

Monthly

£2,450

Yield

14.70%

Verdict

Derived from HomePortfolio scores

32 Love Lane earns an INVESTIGATE rating with HP Score 76/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (87/100). 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)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

76/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

87/ 100

Excellent

Transit & Bike

Transit 44Bike 71

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity
listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£200,000

At the asking price

Monthly rent£2,450/mo

Evidenced range £2,300-£2,600

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £1,021/mo
Cash on cash: 19.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.63 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£486,000

Rent Estimate (pcm)£2,450

Gross Yield14.70%

1y Growth-

3y Growth+1.6%

5y Growth+1.7%

10y Growth+2.6%

Last Sold Price£240,000 (2013-11-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SM4 6LL

Approval Rate

-12mo

Development

low

DM2026/01147
Erection of single storey rear extension.
Pending
DM2026/01125
Erection of a granny annexe for use incidental to main dwelling.
Pending
DM2026/01126
Prior Approval for a single storey rear extension projecting from the rear of the original house by 6m.
Pending

View Planning Timeline

Ownership

Corporate Ownership59%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2013-11-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,507

Population Density-

Owner Occupied30%

Age Distribution

0-15 21%16-64 66%65+ 13%

View Area Profile

Schools Nearby

Abbey Primary School
0.2 mi
Good
Canterbury Campus and Lavender Campus
0.3 mi
-
Morden Primary School
0.4 mi
Good
Glenthorne High School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

40 Love Lane
-
£350k
-
36 Love Lane
-
£173k
-
32 Love Lane
-
£240k
-
38 Love Lane
-
£240k
-

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