Flat 12, Churchill House, 184 London Road, Mitcham, CR4 3SJ

UPRN:48111376Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: D (62)

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

Flat 12, Churchill House, 184 London Road, Mitcham, CR4 3SJ

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£278,000

£264k - £292kHigh

Estimate

£278k

Range

£264k – £292k

Rent Estimate (pcm)

£950

£850 - £1k

Monthly

£950

Yield

4.00%

Verdict

Derived from HomePortfolio scores

Flat 12 earns an INVESTIGATE rating with HP Score 80/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (98/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

29/ 100

Moderate

Walkability

98/ 100

Excellent

Transit & Bike

Transit 59Bike 76

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 2 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 -2.5% (HIGH), sold-comps +6.2%, £/sqft +6.1%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 48111376· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.6%· as of 27 Oct 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.78
- valuation_snapshotsrent estimate 950/mo (range 850-1050)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -634/mo, -67% 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 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 189 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 2 Nov 2026
Risk & liquidity14.6/15
272 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

£214,000£328,000

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£285,000

At the asking price

Monthly rent£950/mo

Evidenced range £850-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £91,050
Net cash flow: -£304/mo
Cash on cash: -4.0%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.99 - 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

valuation_snapshotsestimate for 48111376Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.6%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 950/mo (range 850-1050)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 950/mo (range 850-1050)
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. 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.
3. 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£278,000

Rent Estimate (pcm)£950

Gross Yield4.00%

1y Growth-

3y Growth+1.2%

5y Growth+0.5%

10y Growth+2.4%

Last Sold Price£270,000 (2018-10-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0CR4 3SJ

Approval Rate

-12mo

Development

low

26/REG5/1244
TELECOMS REG 5 APPLICATION FOR THE INSTALLATION OF 1 X REPLACEMENT TRIPOD TO ACCOMMODATE 2 X RELOCATED ANTENNA AND ANCILLARY RADIO EQUIPMENT ONTO PROPOSED PLINTHS AT EXISTING ROOFTOP SITE. ANCILLARY DEVELOPMENT THERETO.
Pending
26/PAHE/1210
APPLICATION FOR PRIOR APPROVAL IN RESPECT OF THE PROPOSED ERECTION OF A SINGLE STOREY REAR EXTENSION WITH A DEPTH OF 3.5M, MAXIMUM HEIGHT OF 3.7M AND EAVES HEIGHT OF 2.8M.
Pending
26/HOUSE/1158
CONVERSION OF GARAGE INTO HABITABLE ROOM, ERECTION OF A SINGLE STOREY REAR/SIDE EXTENSION, EXTENSION OF FIRST FLOOR SIDE EXTENSION AND ERECTION OF HIP TO GABLE & REAR DORMER
Pending

View Planning Timeline

Ownership

Corporate Ownership65.9%
Overseas OwnershipNo
Lease Term Remaining102 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2018-10-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,507

Population Density-

Owner Occupied52%

Age Distribution

0-15 19%16-64 71%65+ 10%

View Area Profile

Schools Nearby

Bond Primary School
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Lavender Lodge School
0.2 mi
Good
St Mark's Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Liberty Primary
0.3 mi
Good

1 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Churchill House, 184 London Road
-
£240k
-
Churchill House, 184 London Road
-
£125k
-
Churchill House, 184 London Road
-
£275k
-
Churchill House, 184 London Road
-
£140k
-

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