47 Speer Road, Thames Ditton, KT7 0PJ

UPRN:100061324232Detached House4 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band GEPC: C (73)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£1,710,000

£1.54M - £1.88MMedium

Estimate

£1.71M

Range

£1.54M – £1.88M

Rent Estimate (pcm)

£6,100

£5k - £7k

Monthly

£6,100

Yield

4.07%

Verdict

Derived from HomePortfolio scores

47 Speer Road earns an INVESTIGATE rating with HP Score 75/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (64/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

64/ 100

Moderate

Transit & Bike

Transit 19Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -5.3% (MEDIUM), sold-comps -62.5%, £/sqft -62.4%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 100061324232· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 25%· as of 1 Nov 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.77
- valuation_snapshotsrent estimate 6100/mo (range 5450-6750)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,240/mo, -53% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 51 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 2 Nov 2026
Risk & liquidity12.8/15
127 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

£1,350,000£1,980,000

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£1,800,000

At the asking price

Monthly rent£6,100/mo

Evidenced range £5,450-£6,750

Interest rate5.4%

Loan to value75%

Cash required: £671,050
Net cash flow: -£1,852/mo
Cash on cash: -3.3%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.00 - 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 100061324232Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 25%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 6100/mo (range 5450-6750)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 6100/mo (range 5450-6750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 51 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. 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£1,710,000

Rent Estimate (pcm)£6,100

Gross Yield4.07%

1y Growth-

3y Growth-3.5%

5y Growth+1.6%

10y Growth-0.2%

Last Sold Price£930,000 (2011-12-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1KT7 0PJ

Approval Rate

100%12mo

Development

low

2026/2281
Thames Ditton Conservation Area - Flowering cherry at boundary with Church Walk reduce crown by 1 metre.
Pending
2026/2270
Two-storey side extensions incorporating roof extension, single-storey rear extension, side external staircase with balcony extension and alterations to fenestration and external finish.
Pending
2026/2246
Single storey side/rear extension with alterations to fenestration.
Pending

View Planning Timeline

Ownership

Corporate Ownership50.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-12-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£42,607

Population Density2,914 /km²

Owner Occupied73%

Age Distribution

0-15 22%16-64 59%65+ 19%

View Area Profile

Schools Nearby

Thames Ditton Infant School
0.2 mi
Good
St Paul's Catholic Primary School, Thames Ditton
0.3 mi
Good
Esher Sixth Form College
0.4 mi
-
Thames Ditton Junior School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

33 Speer Road
-
£1.58M
-
55 Speer Road
-
£1.50M
-
69 Speer Road
-
£422k
-
25 Speer Road
-
£1.79M
-

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