60 Spencer Road, Ryde, PO33 3AF

UPRN:100060766541Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: -

Data freshness:Listing· freshPlanning· freshOwnership· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£1,495,000

£1.34M - £1.64MMedium

Estimate

£1.50M

Range

£1.34M – £1.64M

Rent Estimate (pcm)

£5,700

£5k - £6k

Monthly

£5,700

Yield

4.56%

Verdict

Derived from HomePortfolio scores

60 Spencer Road earns an INVESTIGATE rating with HP Score 80/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (84/100). 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 SourcesPortal 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

80/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

84/ 100

High

Transit & Bike

Transit 10Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -0.3% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100060766541· as of 9 Nov 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.78
- valuation_snapshotsrent estimate 5700/mo (range 5100-6300)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,269/mo, -40% 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 4 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.8/15
368 sales/12mo in area; valuation range width 20%
- 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

£1,125,000£1,725,000

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£1,500,000

At the asking price

Monthly rent£5,700/mo

Evidenced range £5,100-£6,300

Interest rate5.4%

Loan to value75%

Cash required: £545,050
Net cash flow: -£1,116/mo
Cash on cash: -2.5%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - 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 100060766541Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 5700/mo (range 5100-6300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 5700/mo (range 5100-6300)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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. 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£1,495,000

Rent Estimate (pcm)£5,700

Gross Yield4.56%

1y Growth-

3y Growth-0.4%

5y Growth+0.2%

10y Growth+3.0%

Last Sold Price£245,000 (1999-01-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PO33 3AF

Approval Rate

-12mo

Development

low

26/01541/DIS
Condition compliance application on 25/01636/FUL relating to Condition 7 (Update Noise Management Plan) to be discharged
Pending
26/01492/TW
T1; Apple tree. Formative pruning. Reason: tree has outgrown its location.
Pending
26/01494/TW
T1; Acer - Reduce crown by 30%; Reason: the tree has outgrown its location.
Pending

View Planning Timeline

Ownership

Corporate Ownership61.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-01-22
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£26,740

Population Density-

Owner Occupied77%

Age Distribution

0-15 12%16-64 52%65+ 36%

View Area Profile

Schools Nearby

Ryde School with Upper Chine
0.3 mi
Inspected by ISI
Greenmount Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Lift Ryde
0.6 mi
Good
Dover Park Primary School
0.7 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

63 Spencer Road
-
£610k
-
63 Spencer Road
-
£495k
-
58 Spencer Road
-
£900k
-
69 Spencer Road
-
£440k
-

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