Flat 4, 37 Plough Lane, Purley, CR8 3QJ

UPRN:5870095172Converted Flat1 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band CEPC: D (58)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£282,000

£268k - £296kHigh

Estimate

£282k

Range

£268k – £296k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

6.00%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 78/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (65/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

65/ 100

Moderate

Transit & Bike

Transit 6Bike 39

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£250,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,150-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £22/mo
Cash on cash: 0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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£282,000

Rent Estimate (pcm)£1,250

Gross Yield6.00%

1y Growth+4.4%

3y Growth+3.2%

5y Growth+1.9%

10y Growth+1.7%

Last Sold Price£275,000 (2025-11-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CR8 3QJ

Approval Rate

100%12mo

Development

low

TREE2026/00138
T1 - Silver Birch - Crown reduction by 3m, back to previous reduction points.
Pending
26/02999/CAT
2 x Cypress trees as part of hedge - Fell to ground level (Roots have gone and are leaning into adjacent trees) 3 x Cypress trees as part of hedge - Fell to ground Level (growing into Oak trees/suppressed crowns by larger Oaks with little foliage) 1 x Holly - Reduce height by approx 4m leaving 6m (supressed top part of tree growing at 45 degrees angle)
Pending
26/02963/TRE
T1- Horse Chestnut: Repollard (TPO 25, 1988)
Pending

View Planning Timeline

Ownership

Corporate Ownership60.5%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2025-11-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,359

Population Density-

Owner Occupied88%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

The John Fisher School
0.3 mi
Good
Laleham Lea School
0.3 mi
Inspected by ISI
Wallington Primary Academy
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Thomas More Catholic School
0.4 mi
-

3 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

37 Plough Lane
-
£275k
-
37A Plough Lane
-
£805k
-
35A Plough Lane
-
£1.10M
-
37 Plough Lane
-
£270k
-

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