Lower Morden · Merton · Mitcham and Morden constituency · 51.38199, -0.21995

SM4 4LE— Lower Morden, Merton

Location and area intelligence for SM4 4LE, Lower Morden, Merton

Strong, well-rated schools nearby

 

Schools 100%Safety 84/100Transport 16/100Yield 3.50%⚠ Knotweed sites nearby

Best for: Families, Owner-occupiers

Compare areas

Strong schools, limited transport — ideal for car-owning families

Liveability
58
Safety
84
Schools
100
Transport
16
Environment
64
Investment
48

The bottom line

SM4 4LE offers exceptional schools (100% Good/Outstanding), low crime and fast broadband at £548,000 median — strong value for Families and Owner-occupiers who can accept its trade-offs.

The catches: 53 min to victoria — above average for this zone and 3 Japanese knotweed sites within 400m — may affect mortgage applications.

Less suited to Car-free commuters.

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Location

SM4 4LE

Area Profile & Benchmarks

Area identity and London comparisons

Area Identity

Suburban
HighOwner occupiers / families
Buyer fit: ExcellentInvestment outlook: NeutralRisk: Low

London Benchmarks

vs London avg price+5.4% vs London avg
vs London income+9.8% vs London avg
vs London crime-35.0% vs London avg

Deep-dive guides for SM4 4LE

🛡️Crime & SafetyCrime rate, trends & breakdown by type🎓SchoolsOfsted ratings, exam scores & distances🏠Rental MarketAverage rents, demand & void risk

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Postcode Personality

🎓 School Smart🔒 Very Safe

“Strong, well-rated schools nearby”

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How SM4 4LE has changed

Schools

18 Apr

Nearest schools and Ofsted ratings

100

Education score

Excellent for families
★ Top school within 1km
★★★

Primary

St Cecilia's Catholic Primary School

Outstanding · Inspected Nov 2023 · 7 min walk

—

Secondary

Cheam High School

Not yet inspected · Inspected May 2025 · 22 min walk

P8: +0.06A8: 52.1

100% of local schools rated Good or Outstanding · based on 7 schools within 1.5km

Top 10% — exceptional provision

Childcare

Childcare

Thomas Wall Nursery School

Not inspected · 30 min walk

5 primaries · 0 secondaries · 0 childcare — within 1km

Safety

13 Jul

Crime rates and local incidents

Low crime

42.5 incidents per 1,000 residents

Better than 69% of London
→ Stable

-22% vs borough

Crime by type

Other37%
Anti-social behaviour22%
Violence & sexual offences21%
Drug offences6%
Vehicle crime6%
Burglary5%
Theft2%
Robbery2%

Road safety

100

Road safety score

0

Accidents (5yr)

Fire risk

LOW

Risk band

0

Incidents (1yr)

0

Incidents (5yr)

Nearest station: Sutton Fire Station · 1.6km

Crime is 35% below London average

Property

2 Jul

Prices, sales volume and market trends

Low transaction volume — only 5 sales in 24 months. Price figures may not reflect the wider area. Treat with caution.

£548,000

Median sale price

Above London median by 5%

£548,000 is 5% above the London median (£520,000)

+32.9%

This year

Terraced

Dominant type

Price history

5-year change
+12.4%
Sales (24 months)5
New build0.0%
Avg semi-detached£598,000
Avg terraced£475,000
Price per m²£6,667/m²
Price per ft²£619/ft²
Avg floor area83 m²

EPC breakdown

B
2%
C
11%
D
30%
E
5%
F
2%

Based on 50 properties · Confidence: high

Street mix

Semi 21%Terraced 79%

LHA rates — Outer South London

Shared room£569/mo
1 bedroom£950/mo
2 bedrooms£1200/mo
3 bedrooms£1500/mo
4 bedrooms£1950/mo

Stamp duty

Standard buyer£14,900
First-time buyerFTB
£6,150
Additional propertyBTL/2nd
£31,340

England & NI rates 2025/26. Additional property rate adds 3% on each band.

Current mortgage rates

2-year fixed4.58%
5-year fixed4.32%
SVR7.25%

Bank of England (monthly average)

Affordability

11.9×

Price-to-income

£2,741/mo

Est. mortgage

Low

Market activity

100d

Days to sell

Rising

Market momentum

Energy & construction

Solar yield852 kWh/kWp/yr
Heat pump suitableYes
EPC upgrade costMedium
Rebuild cost estimate£207,500
Rebuild cost per m²£2,500/m²

BCIS London average 2024. Excludes land value. Use for building insurance sum insured guidance only.

Construction era1930-1949
WallsSolid brick, as built, no insulation (assumed)
RoofPitched, 100 mm loft insulation
Heating fuelmains gas (not community)
GlazingFully double glazed
Council tax band Band DAnnual charge £1,992
Price growth potentialModerate

Market History

Price trajectory, velocity and distribution

Price Trajectory

1995–2025 · CAGR

+7.2%

Total change

+708%

Market Activity

Price Velocity & Acceleration

Current Velocity

+25.9%

per year

Acceleration

+26.73

change in velocity

Market State

Strong growth

Velocity (%)Acceleration

Price Distribution

P25: £150k–£175k · P75: £500k–£600k · 94 sales

Property Type Mix

Total: 94 sales

Semi-detached21.3%
Terraced78.7%

By decade

1990s

2000s

2010s

2020s

Market Cycle

BullCooling bullRisingSteadyRecoveryCorrectionBear

Market Eras

EraPeriodStart priceEnd priceChangeAvg sales/yr
Late-1990s boom1995–2000£74k£139k+87.5%3.5
Post-dot-com plateau2001–2004£153k£220k+43.6%3.8
Pre-crash peak2005–2007£234k£265k+13.3%3
GFC & correction2008–2012£261k£260k-0.4%2.4
Help-to-Buy recovery2013–2016£309k£422k+36.6%3
Brexit uncertainty2017–2019£410k£550k+34.1%2
Pandemic surge2020–2021£471k£488k+3.5%4.5
Rate-rise correction2022–2023£515k£479k-7%2.5
Current market2024–2025£475k£598k+25.9%2.5

Price Trajectory by Type

Semi-detachedTerraced

Per-type alpha vs district

Best performer

Terraced

+-0.1% alpha

Weakest performer

Semi-detached

-0.3% alpha

Terraced-0.1% α
Local
6.3%
District
6.4%
Semi-detached-0.3% α
Local
6%
District
6.3%

CAGR over 26yr data window. Alpha = local CAGR − district CAGR.

Buyer vs Seller Score

Composite market conditions index 0–100

29out of 100SellerBuyer

Market condition

Seller's Market

Favours sellers

Higher score = better conditions for buyers

Score breakdown

Price Velocity0
Sales Volume75
Seasonal Timing0
Trend Position40

Transport

1 Jul

Public transport accessibility and links

PTAL 2

Poor

1a
1b
2
3
4
5
6a
6b
Bottom 25% — limited connections
West Sutton

Nearby stations

West SuttonNational Rail
26 min walk
Morden Underground StationNorthern
36 min walk
Morden Road Tram StopTram
44 min walk
Phipps Bridge Tram StopTram
45 min walk
Belgrave Walk Tram StopTram
45 min walk
No bus stops within 400m

25

Walkability score

41

Footpaths (500m)

0

Santander docks (800m)

Central London commute times

London Bridge58 min ↑
Victoria ★53 min
Waterloo54 min ↑
Canary Wharf68 min ↑
City60 min ↑

▎ marker = outer-London average per hub. ↓ green = below average. ↑ orange = above average. ≈ grey = at average. · Source: TfL Journey Planner (sampled)

Find areas within a set commute time of your workplace →

Parking & EV

Car parks, spaces and charging points

7

Car parks (800m)

1

EV chargers (800m)

Total spaces (800m)81
Nearest car park240m
Santander docks (800m)0
Nearest cycle dock5.3 km

Connectivity

Broadband and mobile coverage

100%

Full fibre

100%

Gigabit

100%

5G outdoor

100%

4G outdoor

Mobile operators

EEO2VodafoneThree
Avg download speed500 Mbps
Median download450 Mbps
Superfast coverage100%
All operators 5G94%

Broadband providers

BTSkyTalkTalkVodafoneVirgin Media

Environment

2 Jul

Flood risk, air quality and noise

Flood riskLOW
Low
Minimal flood risk
Surface waterNONE
No assessed surface water flood risk
Air qualityLOW
NO₂: 22.0 µg/m³ · PM2.5: 13.0 µg/m³
Better than 87% of London
NoiseLOW
none
Quieter than 70% of London
Radon riskLOW
0.5% of local properties affected
ULEZ zone · £12.50/dayCCZ: 13.4 km away✗ Not Green Belt✗ Not AONB14% green spaceTree canopy: 49%
Above average green space

Nearest SSSI: Banstead Downs SSSI — 5.3 km

Energy

Solar: 852 kWh/kWp/yrHeat pump: SuitableEPC upgrade: Medium

Ground stability

Geology: SAND AND GRAVEL

Subsidence risk: Low

Shrink-swell: Low

Running sand risk: Medium

Landslide records (2km): 4

Landslide susceptibility: Medium

Insurance risk

Standard

Cost band

Low

Flood risk

Low

Subsidence risk

0.5%

Flood claim prob.

Climate

Local weather conditions and energy potential

1,530 hrs/yr

Sunshine

595 mm/yr

Rainfall

22.9°C

Summer avg

3.0°C

Winter avg

Solar yield852.3 kWh/kWp/yr
Heat pump suitableYes
EPC upgrade costMedium

Source: Met Office UK Climate Averages 1991-2020

Health

GP, dental and hospital access

ST RAPHAEL'S HOSP (SUTTON)

LONDON ROAD, SM3 9DX

4 min walk

4

GPs within 1km

1

Dentists within 1km

Nearest hospitalSt Anthony's · 239 m
Nearest A&EEPSOM AND ST HELIER UNIVERSITY HOSPITALS NHS TRUST · 2.5 km
A&E 4hr targetNHS target: 95% · London avg: ~68%67.6%

Amenities

Shops, restaurants, parks and more

51

Parks (1km)

4

Restaurants (800m)

0

Cafes (800m)

1

Pubs (400m)

0

Pharmacies (800m)

0

Gyms (1km)

5

Sports (1km)

0

Convenience

Nearest supermarketCostcutter · 631 m
1 tennis courts3 swimming pools1 sports halls

Nightlife (500m)

0

Nightclubs

1

Late-night venues

E
566 licensed premises in borough172 late-night refreshment licencesHome Office 2023/24

1

Libraries (1km)

0

Cinemas (2km)

1.2km

Post office

Nearby shops

J.K. News1.1 km
Raksons1.2 km

Nearby cafes

Sutton Cafe617 m
Eat Well Cafe1.1 km

Nearby restaurants

Bright Ocean281 m
New Capital618 m
Pizza & Chicken 2 Go624 m
KFC674 m

Nearby pubs

Lord Nelson249 m
The Morden Brook1.0 km

Nearby pharmacies

Hilton Pharmacy1.1 km

Nearby health

St Anthony's239 m
The James O'Riordan Medical Centre525 m
Ninety2 Dental860 m
Hillcross Dental Practice1.1 km
Food hygiene (5-star)69% of 29

Business

Local businesses registered here

Active businesses
10
New (last 12 months)
2
Dissolved (last 12 months)
0
Industry diversity
8
3yr survival rate
100.0%

High street

E

High street health

Registered businesses

AKOSFREE LIMITED
D2D DELIVERY SOLUTIONS LTD
KING INTERNATIONAL SHIPPING SERVICES LIMITED
LACI CONSTRUCTION & CONSULTING LTD
LBLX LTD

+5 more

Investment

Investment grade, yield and market outlook

48

Investment score

Moderate

Score reflects rental yield, demand & liquidity — not capital appreciation. See Price growth potential below.

Avg monthly rent
£1,600London avg: £1,950/mo
Gross yield
3.5% (average)London avg: 3.8%Above average yield
Gentrification score23/100
Sales last 12 months2

Rental market

Medium

Demand

Medium

Void risk

Mixed owner / renter

Tenant profile

+5.1%

Rent growth (1yr)

Market liquidity

Low

Market activity

100d

Est. days to sell

17/100

Velocity score

Future outlook

64.3

Price growth score

C
Low

Development pressure

Low

New supply risk

High investment qualityLow-deprivation areaConfirmed 5yr price momentum

Infrastructure pipeline

Infrastructure score0/100
Bakerloo Extension route14,011m
Crossrail 2 route4,474m

Demographics

16 Jun

Population, deprivation and income

Decile 9/10

Least deprived

Index of Multiple Deprivation

Less deprived than 90% of London

Rank: 27,428 nationally

1,483

Est. population

11,663/km²

66%

Employed

34%

Degree educated

£46,100

Median income

3.4%

Claimant rate

SuburbanHigh densityOwner occupiers / families

58

Community stability

Age profile

26%
18%
23%
20%
14%
Under 1826%
18–3418%
35–4923%
50–6420%
65+14%

Tenure

34%
49%
16%
Own outright34%
Own (mortgage)49%
Private rent16%
Social rent1%
Shared ownership1%

Ethnicity

59%
20%
White British59%
White Other11%
Asian20%
Black3%
Mixed4%
Other4%

Employment & lifestyle

Managerial / professional34%
Routine / semi-routine18%
No car household11%
Unemployed3%
No qualifications16%

Housing tenure (Census 2021)

Private rent16%
Social rent1%

vs. London

Income vs London+9.8%
Price vs London+5.4%

Planning

Conservation areas and development

Conservation area
No
Article 4 area
No
Listed buildings (800m)
1
Live planning apps (800m)
2
Development activity
low
Residential apps (800m)
1
Commercial apps (800m)
0
Major developments (800m)
0
Planning apps (12 months)
8
Planning apps (3 years)
13
Local approval rate
63%
Borough approval rate
74%
Opportunity area
No
CIL rate (residential)
£160/m²
Coal mining risk area
No
Japanese knotweed sites (400m)
3

Housing pipeline (800m)

Homes approved
0
Under construction
0
Completed (3yr)
14
Largest scheme
79 homes · 819, 819, LONDON ROAD, North Cheam, SM3 9BN
Pipeline pressure
NONE

Named schemes (500m)

819, 819, LONDON ROAD, North Cheam, SM3 9BN79 homes
completed
Haredon House, 810, Haredon House, 810, London Road, Gander Green Lane, SM3 9BS43 homes
completed
FORMER RIDGE ROAD SCHOOL, FORMER RIDGE ROAD SCHOOL, RIDGE ROAD, SM3 9LY26 homes
completed
RIDGE ROAD CLINIC, RIDGE ROAD CLINIC, RIDGE ROAD, SM3 9LY10 homes
completed
Western (Trafalgar Avenue) end of site at, 839-841, Western (Trafalgar Avenue) end of site at, 839-841, LONDON ROAD, North Cheam, SM3 9DR9 homes
completed

Politics

Local councillors and MP

Ward majority
Labour
Ward majority vote
12.6%
Ward turnout
149%
Election year
2026
MP
Dame Siobhain McDonagh (Labour)
MP majority
18,761
Constituency
Mitcham and Morden

Councillors

Sally Isabel KennyLabour
Dan HoganLabour
Daniel Lewis ShearerLabour

Stamp Duty & Affordability Calculator

Stamp duty on median price (£548,000)

£14,900

Standard buyer

£6,150

First-time buyer

Save £8,750

Affordability check — your annual salary

£

Deposit

Affordability uses 4.5× single income and 4.75% indicative rate over 25 years. Not financial advice.

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Key facts for SM4 4LE

Full postcodeSM4 4LE
Postcode districtSM4
BoroughLondon Borough of Merton
WardLower Morden
Latitude51.381994
Longitude-0.219947
Parliamentary constituencyMitcham and Morden
CountryEngland
RegionGreater London

Trusted official data sources

Office for
National Statistics
LONDONDATASTORE
Ofsted
HM LAND
REGISTRY
Environment
Agency
DATA.POLICE.UK
GOV.UK
TfL
Transport
for London
NHS
Digital
Companies
House
Royal
Mail
Food Standards
Agency
Ofcom
Met
Office
Ordnance
Survey