91 Beddington Gardens, Carshalton, SM5 3HL

UPRN:5870075307Semi-Detached House5 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band FEPC: D (68)

Data freshness:Listing· freshPrice Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

91 Beddington Gardens, Carshalton, SM5 3HL

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£769,000

£731k - £807kHigh

Estimate

£769k

Range

£731k – £807k

Rent Estimate (pcm)

£3,150

£3k - £4k

Monthly

£3,150

Yield

5.04%

Verdict

Derived from HomePortfolio scores

91 Beddington Gardens earns an INVESTIGATE rating with HP Score 83/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (82/100). 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)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

83/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

82/ 100

High

Transit & Bike

Transit 40Bike 46

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 edge0/15
claims [AVM +2.5% (HIGH), sold-comps -1.4%, £/sqft -1.3%] → 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 5870075307· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.4%· as of 21 Oct 2026
Rental economics0.3/40
gross yield 5.0%; range width penalty ×0.79
- valuation_snapshotsrent estimate 3150/mo (range 2850-3500)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -979/mo, -31% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 157 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 & liquidity14.7/15
269 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

£562,500£862,500

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£750,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,850-£3,500

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: -£350/mo
Cash on cash: -1.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.24 - 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 5870075307Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.4%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 3150/mo (range 2850-3500)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by 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 3150/mo (range 2850-3500)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 157 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£769,000

Rent Estimate (pcm)£3,150

Gross Yield5.04%

1y Growth-

3y Growth+1.5%

5y Growth+2.2%

10y Growth+2.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1SM5 3HL

Approval Rate

100%12mo

Development

low

DM2026/01254
Conversion of loft space involving alterations to existing roofline and rooflights to front and rear roofslopes.
Pending
TREE2026/00129
T1 - London Plane - Crown reduction by 1.5m to provide 2m clearance from the building and crown lift to 5.5m clearance over carriageway and 3.5m clearance over payment.
Pending
DM2026/01178
Retention and completion of the conversion of loft space involving alterations to existing roofline and a dormer extension at rear.
Pending

View Planning Timeline

Ownership

Corporate Ownership66.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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 Density-

Owner Occupied92%

Age Distribution

0-15 16%16-64 61%65+ 23%

View Area Profile

Schools Nearby

Wood Field Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Stanley Park Junior School
0.3 mi
Good
Stanley Park Infants School
0.3 mi
Good
Collingwood School
0.4 mi
Inspected by ISI

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

73 Beddington Gardens
-
£695k
-
49 Beddington Gardens
-
£790k
-
75 Beddington Gardens
-
£768k
-
69 Beddington Gardens
-
£808k
-

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