224 Malden Road, Cheam, Sutton, SM3 8EJ

UPRN:5870011201Semi-Detached Property3 bedsBuilt -

FreeholdCouncil Tax: -EPC: D (63)

HP Score

Not available

Verdict

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

15 of 21 sources

Sale Estimate

£610,000

£579k - £640kHigh

Estimate

£610k

Range

£579k – £640k

Rent Estimate (pcm)

£2,850

£3k - £3k

Monthly

£2,850

Yield

6.11%

Verdict

Derived from HomePortfolio scores

224 Malden Road earns an INVESTIGATE rating; it has no HP Score yet. Walkability is excellent (89/100). 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)Walk ScoreONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

No data

Investment Score

No data

Crime Score

No data

Walkability

89/ 100

Excellent

Transit & Bike

Transit 31Bike 63

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 +8.2% (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 5870011201· as of 13 Oct 2026
Rental economics7.8/40
gross yield 6.1%; range width penalty ×0.88
- valuation_snapshotsrent estimate 2850/mo (range 2600-3050)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -398/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), 51 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 & liquidity5.6/15
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

£420,000£644,000

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£560,000

At the asking price

Monthly rent£2,850/mo

Evidenced range £2,600-£3,050

Interest rate5.4%

Loan to value75%

Cash required: £187,300
Net cash flow: £83/mo
Cash on cash: 0.5%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.51 - 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 5870011201Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2850/mo (range 2600-3050)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 2850/mo (range 2600-3050)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 51 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. 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£610,000

Rent Estimate (pcm)£2,850

Gross Yield6.11%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-SM3 8EJ

Approval Rate

-12mo

Development

DM2026/01260
Erection of a single storey rear extension, partial conversion of garage into habitable room and alterations to fenestration.
Pending
CLC2026/00202
Application to clear condition 4 (Biodiversity Enhancement and Management Plan) of approved application DM2021/02555.
Pending
CLC2026/00201
Application to clear condition 3 (CLP) of approved application DM2021/02555.
Pending

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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£38,359

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Cheam Fields Primary Academy
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Cheam High School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Meadow Primary School
0.5 mi
Good
Nonsuch Primary School
0.6 mi
Inspected as Nonsuch Primary School (URN 102985) on 14 Jan 2025

5 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

204 Malden Road
-
£495k
-
232 Malden Road
-
£428k
-
236 Malden Road
-
£391k
-
216 Malden Road
-
£450k
-

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