3 Cedar Gardens, Chobham, Woking, GU24 8PG

UPRN:10002673695Detached House4 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band FEPC: C (76)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

3 Cedar Gardens, Chobham, Woking, GU24 8PG

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£843,000

£801k - £886kHigh

Estimate

£843k

Range

£801k – £886k

Rent Estimate (pcm)

£3,500

£3k - £4k

Monthly

£3,500

Yield

5.42%

Verdict

Derived from HomePortfolio scores

3 Cedar Gardens earns an INVESTIGATE rating with HP Score 77/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (63/100). 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

77/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

63/ 100

Moderate

Transit & Bike

Transit 11Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 11 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM +8.1% (HIGH), sold-comps +3.1%, £/sqft +3.1%] → measured edge +0.50pp 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 14 Nov 2026
- valuation_snapshotsestimate for 10002673695· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.8%· as of 10 Nov 2026
Rental economics2.7/40
gross yield 5.4%; range width penalty ×0.80
- valuation_snapshotsrent estimate 3500/mo (range 3150-3850)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -827/mo, -24% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 47 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 11 Nov 2026
Risk & liquidity14.6/15
171 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

£581,000£891,000

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£775,000

At the asking price

Monthly rent£3,500/mo

Evidenced range £3,150-£3,850

Interest rate5.4%

Loan to value75%

Cash required: £262,550
Net cash flow: -£193/mo
Cash on cash: -0.9%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.34 - clears 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 10002673695Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.8%Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 3500/mo (range 3150-3850)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 3500/mo (range 3150-3850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 47 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. 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.
3. 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£843,000

Rent Estimate (pcm)£3,500

Gross Yield5.42%

1y Growth-

3y Growth+4.5%

5y Growth+1.3%

10y Growth+2.0%

Last Sold Price£665,000 (2018-08-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2GU24 8PG

Approval Rate

100%12mo

Development

low

26/0996/PCM
Consultation application from Surrey County Council for details of external facing materials pursuant to Condition 21 of planning permission ref: SU23/0569/PCM dated 3 April 2025. (this application is determined by Surrey County Council under their ref SCCRef-2026-0180 - this record is for consultation only)
Pending
26/0995/DCM
Details of external facing materials pursuant to Condition 21 of planning permission ref: SU23/0569/PCM dated 3 April 2025.
Pending
26/0987/DTC
Submission of details to comply with condition 10 (Hard Landscaping) attached to planning permission 25/0723/PMR for application under Section 73 of the Town and Country Planning Act to amend : 2 (approved plans), 3 (materials), 4 (Amphibian Precautionary Working Method Statement), 5 (Construction Environmental Management Plan), 6 (trees) and 8 (external lighting layout) of planning permission 24/0604/FFU (Erection of single storey rear and side extension with roof alterations including partial increase to roof height, erection of front porch following removal of front bay window, demolition of existing entrance porch, conversion of front hipped roof to a gable end roof, including new external materials and changes to fenestration. Installation of open air swimming pool).
Pending

View Planning Timeline

Ownership

Corporate Ownership70.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-08-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£37,793

Population Density-

Owner Occupied61%

Age Distribution

0-15 21%16-64 59%65+ 20%

View Area Profile

Schools Nearby

Lift Wishmore
0.0 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Lawrence CofE Primary School
0.3 mi
Inspected as St Lawrence CofE (Aided) Primary School (URN 125168) on 8 Nov 2023
Holy Trinity CofE Primary School
1.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Valley End CofE Infant School
1.7 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

4 Cedar Gardens
-
£580k
-
3 Cedar Gardens
-
£665k
-
2 Cedar Gardens
-
£551k
-
8 Cedar Gardens
-
£465k
-

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