97 St Dunstans Hill, Cheam, Sutton, SM1 2LP

UPRN:5870021100Mid Terrace House4 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band EEPC: C (77)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

97 St Dunstans Hill, Cheam, Sutton, SM1 2LP

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£707,000

£672k - £743kHigh

Estimate

£707k

Range

£672k – £743k

Rent Estimate (pcm)

£3,150

£3k - £3k

Monthly

£3,150

Yield

5.82%

Verdict

Derived from HomePortfolio scores

97 St Dunstans Hill earns an INVESTIGATE rating with HP Score 86/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (95/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

86/ 100

Strong

Investment Score

71/ 100

High

Crime Score

13/ 100

Low

Walkability

95/ 100

Excellent

Transit & Bike

Transit 21Bike 68

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge2.5/15
claims [AVM +8.1% (HIGH), sold-comps +24.2%, £/sqft +24.2%] → 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 13 Oct 2026
- valuation_snapshotsestimate for 5870021100· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.9%· as of 1 Nov 2026
Rental economics5.5/40
gross yield 5.8%; range width penalty ×0.85
- valuation_snapshotsrent estimate 3150/mo (range 2850-3400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -557/mo, -18% 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), 44 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
358 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

£487,500£747,500

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£650,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,850-£3,400

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£13/mo
Cash on cash: -0.1%
Score at this price: 23

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.44 - 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 5870021100Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 6.9%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 3150/mo (range 2850-3400)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

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 2850-3400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 44 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£707,000

Rent Estimate (pcm)£3,150

Gross Yield5.82%

1y Growth-

3y Growth-0.4%

5y Growth+0.8%

10y Growth+2.4%

Last Sold Price£285,000 (2006-06-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SM1 2LP

Approval Rate

-12mo

Development

low

DM2026/01240
Erection of a single storey front and rear extension involving converting the garge to a habitable rooom.
Pending
DM2026/01233
Prior Approval for a single storey rear extension projecting from the rear of the original house by 6m.
Pending
DM2026/01217
Conversion of loft space involving alterations to existing roofline, a dormer extension at rear and rooflights to front roofslope.
Pending

View Planning Timeline

Ownership

Corporate Ownership57.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2006-06-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,359

Population Density4,647 /km²

Owner Occupied79%

Age Distribution

0-15 21%16-64 65%65+ 14%

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
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Dunstan's Cheam CofE Primary School
0.6 mi
Good
Homefield Preparatory School
0.6 mi
Inspected by ISI

3 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

99 St Dunstans Hill
-
£663k
-
99 St Dunstans Hill
-
£500k
-
105 St Dunstans Hill
-
£530k
-
99 St Dunstans Hill
-
£330k
-

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