32 Cumberland Avenue, Guildford, GU2 9RQ

UPRN:100061386355Detached House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band EEPC: D (60)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

32 Cumberland Avenue, Guildford, GU2 9RQ

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£597,000

£567k - £626kHigh

Estimate

£597k

Range

£567k – £626k

Rent Estimate (pcm)

£2,700

£3k - £3k

Monthly

£2,700

Yield

5.40%

Verdict

Derived from HomePortfolio scores

32 Cumberland Avenue earns an INVESTIGATE rating with HP Score 69/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (35/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

35/ 100

Mixed

Transit & Bike

Transit 15Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 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 -0.5% (HIGH)] → 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100061386355· as of 12 Oct 2026
Rental economics2.8/40
gross yield 5.4%; range width penalty ×0.87
- valuation_snapshotsrent estimate 2700/mo (range 2500-2950)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -677/mo, -25% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 38 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 3 Nov 2026
Risk & liquidity14.7/15
266 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

£450,000£690,000

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£599,950

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,500-£2,950

Interest rate5.4%

Loan to value75%

Cash required: £201,283
Net cash flow: -£156/mo
Cash on cash: -0.9%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - 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 100061386355Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 2700/mo (range 2500-2950)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 2700/mo (range 2500-2950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 38 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£597,000

Rent Estimate (pcm)£2,700

Gross Yield5.40%

1y Growth-21.3%

3y Growth-0.2%

5y Growth+1.9%

10y Growth+2.1%

Last Sold Price£302,000 (2007-05-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GU2 9RQ

Approval Rate

-12mo

Development

low

26/P/01391
Application under Section 73 of the Town and Country Planning Act 1990 to vary condition 2 (Drawings) to reduce depth of extension of planning permission 25/P/00416 for the erection of single storey replacement garage.
Pending
26/W/00073
Prior notification for a larger home extension comprising the erection of a single-storey rear extension with a pitched roof incorporating roof windows and a fully glazed rear gable elevation, extending 5.8 metres beyond the rear wall of the original dwellinghouse, with a maximum height of 3.843 metres and an eaves height of 2.494 metres.
Pending
26/P/01331
Part conversion of front garden into a hardstanding concreate/paving driveway for off-street parking.
Pending

View Planning Timeline

Ownership

Corporate Ownership72.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-05-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,985

Population Density-

Owner Occupied64%

Age Distribution

0-15 19%16-64 66%65+ 15%

View Area Profile

Schools Nearby

Northmead Junior School
0.7 mi
Good
Stoughton Infant School
0.8 mi
Good
Guildford Nursery School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Pond Meadow School
0.9 mi
Outstanding

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Cumberland Avenue
-
£470k
-
55 Cumberland Avenue
-
£465k
-
4 Cumberland Avenue
-
£435k
-
29 Cumberland Avenue
-
£340k
-

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