Flat 43, Thomas House, 20 Grange Road, Sutton, SM2 6RS

UPRN:5870033711Flat/MaisonetteBeds -Built 1976-1982

Tenure: -Council Tax: -EPC: C (72)

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

Flat 43, Thomas House, 20 Grange Road, Sutton, SM2 6RS

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£306,000

£275k - £336kMedium

Estimate

£306k

Range

£275k – £336k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

4.74%

Verdict

Derived from HomePortfolio scores

Flat 43 earns an INVESTIGATE rating with HP Score 74/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (79/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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

74/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

44/ 100

Elevated

Walkability

79/ 100

High

Transit & Bike

Transit 46Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -24.2% (MEDIUM), sold-comps -69.6%, £/sqft -69.3%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 5870033711· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.4%· as of 19 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.87
- valuation_snapshotsrent estimate 1500/mo (range 1400-1650)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -766/mo, -51% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 64 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 5 Nov 2026
Risk & liquidity12.9/15
278 sales/12mo in area; valuation range width 20%
- 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

£285,000£437,000

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£380,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,400-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £124,300
Net cash flow: -£244/mo
Cash on cash: -2.4%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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 5870033711Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.4%Valuation edge · as of 19 Oct 2026
valuation_snapshotsrent estimate 1500/mo (range 1400-1650)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 1500/mo (range 1400-1650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 64 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£306,000

Rent Estimate (pcm)£1,500

Gross Yield4.74%

1y Growth-

3y Growth+0.0%

5y Growth+0.3%

10y Growth+0.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SM2 6RS

Approval Rate

-12mo

Development

low

CLC2026/00203
Application to clear condition 23 (Energy Statement) of approved application DM2023/01435.
Pending
DM2026/01230
Erection and installation of a 2.5m upwards extension to existing mast to accommodate 6 no. replacement antenna, 2 no. 0.3m transmission dishes with ancillary radio equipment and installation works.
Pending
TREE2026/00133
906, 910, 911, T5, T6, T7 x 6 Elm trees to be felled. 898 x 1 Oak tree to be felled. 883, T1, T2, T3 x 4 Sycamore trees to be felled.
Pending

View Planning Timeline

Ownership

Corporate Ownership51.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
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 Density8,662 /km²

Owner Occupied42%

Age Distribution

0-15 19%16-64 62%65+ 19%

View Area Profile

Schools Nearby

Overton Grange School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Orchard Hill College
0.3 mi
-
Grove Road School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Sutton High School GDST
0.3 mi
Inspected by ISI

2 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Grayshott Court, 24 Grange Road
-
£235k
-
Oriel Court, 22 Grange Road
-
£365k
-
Oriel Court, 22 Grange Road
-
£320k
-
Oriel Court, 22 Grange Road
-
£370k
-

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