Flat 2, 51 St James' Road, Sutton, SM1 2TG

UPRN:5870106764Converted Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: C (71)

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

Flat 2, 51 St James' Road, Sutton, SM1 2TG

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£192,000

£183k - £202kHigh

Estimate

£192k

Range

£183k – £202k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

6.67%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 85/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (94/100). 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 NationsMarket 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

85/ 100

Strong

Investment Score

71/ 100

High

Crime Score

15/ 100

Low

Walkability

94/ 100

Excellent

Transit & Bike

Transit 27Bike 61

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£180,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £85/mo
Cash on cash: 1.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - 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£192,000

Rent Estimate (pcm)£1,000

Gross Yield6.67%

1y Growth-

3y Growth-0.4%

5y Growth+0.8%

10y Growth+2.4%

Last Sold Price£195,000 (2015-10-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SM1 2TG

Approval Rate

-12mo

Development

low

CLC2026/00205
Application to clear condition 48 (External Materials) of approved application DM2025/00952.
Pending
CLC2026/00204
Application to clear condition 44 (Cycle Stores) of approved application DM2025/00952.
Pending
DM2026/01240
Erection of a single storey front and rear extension involving converting the garge to a habitable rooom.
Pending

View Planning Timeline

Ownership

Corporate Ownership57.2%
Overseas OwnershipNo
Lease Term Remaining101 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-10-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,359

Population Density7,307 /km²

Owner Occupied63%

Age Distribution

0-15 21%16-64 67%65+ 12%

View Area Profile

Schools Nearby

Homefield Preparatory School
0.1 mi
Inspected by ISI
Thomas Wall Nursery School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Robin Hood Infants' School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Limes College
0.1 mi
Good

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

51 St James Road
-
£207k
-
57 St James Road
-
£2.63M
-
59 St James Road
-
£2.63M
-
73 St James Road
-
£655k
-

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