4 St Alban's Grove, Carshalton, SM5 1NE

UPRN:5870069924Mid Terrace House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: C (74)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£346,000

£329k - £364kHigh

Estimate

£346k

Range

£329k – £364k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

5.74%

Verdict

Derived from HomePortfolio scores

4 St Alban's Grove earns an INVESTIGATE rating with HP Score 75/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (69/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

69/ 100

Moderate

Transit & Bike

Transit 30Bike 63

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

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£345,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £112,050
Net cash flow: -£22/mo
Cash on cash: -0.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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£346,000

Rent Estimate (pcm)£1,650

Gross Yield5.74%

1y Growth-

3y Growth+1.5%

5y Growth+2.2%

10y Growth+2.7%

Last Sold Price£63,500 (1995-08-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SM5 1NE

Approval Rate

-12mo

Development

low

DM2026/01203
Erection of a single storey rear extension and installation of a pergola to the garden.
Pending
DM2026/01181
Formation of a front entrance porch.
Pending
DM2026/01139
Removal of 3 no. antennas, 1 no. equipment cabinet, and installation of 3 no. new antennas, 1 no. equipment cabinet and ancillary development thereto (50997/STN009/3VF/ML)
Unresolved

View Planning Timeline