Fir Cottage, Harrow Road East, Dorking, RH4 2AG

UPRN:100061423399Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: E (52)

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

Fir Cottage, Harrow Road East, Dorking, RH4 2AG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£704,000

£669k - £739kHigh

Estimate

£704k

Range

£669k – £739k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

3.44%

Verdict

Derived from HomePortfolio scores

Fir Cottage earns an INVESTIGATE rating with HP Score 71/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (43/100). 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

71/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

43/ 100

Mixed

Transit & Bike

Transit 10Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 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 -6.5% (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 13 Oct 2026
- valuation_snapshotsestimate for 100061423399· as of 13 Oct 2026
Rental economics0/40
gross yield 3.4%; range width penalty ×0.69
- valuation_snapshotsrent estimate 2150/mo (range 1900-2450)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,712/mo, -80% 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: 2 price cut(s), 49 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 & liquidity14.7/15
155 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

£562,000£862,000

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£749,500

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,900-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £253,625
Net cash flow: -£1,041/mo
Cash on cash: -4.9%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.85 - 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 100061423399Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 1900-2450)Rental economics · as of 13 Oct 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
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 2150/mo (range 1900-2450)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 49 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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
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£704,000

Rent Estimate (pcm)£2,150

Gross Yield3.44%

1y Growth-

3y Growth+0.5%

5y Growth+2.1%

10y Growth+2.4%

Last Sold Price£510,000 (2017-11-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RH4 2AG

Approval Rate

-12mo

Development

low

MO/2026/01682
01 Mixed Species - Cutting back vegetation rubbing on the boundary wall to give a 1.5m clearance, group comprised of Holly, Hazel, Cherry Laurel and Elder. 02 - Oak - Remove failed hung up primary stem resting on Boundary wall, Removed deadwood 25mm or Greater in diameter from crown. 03 - Silver Birch - Carefully fell to near ground level deceased twin stem tree adjacent to footpath. 04 - Silver Birch - Carefully fell to near ground level failed tree towards footpath.
Pending
MO/2026/01641
Installation of a air-conditioning unit to provide heating and cooling for the business.
Pending
MO/2026/01583
01 - Crimson Maple - Reduce overall size of crown by 2 metres ( Previous Points )
Pending

View Planning Timeline

Ownership

Corporate Ownership53%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-11-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,341

Population Density-

Owner Occupied74%

Age Distribution

0-15 15%16-64 56%65+ 29%

View Area Profile

Schools Nearby

St Paul's CofE Primary School
0.3 mi
Inspected as St Paul's CofE (Aided) Primary School (URN 125171) on 11 Jun 2024
St Joseph's Catholic Primary School
0.4 mi
Inspected as St Joseph's Catholic Primary School (URN 125204) on 29 Mar 2023
Unified Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St John's Church of England Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1 Bankside Cottages
-
£490k
-
Mountside Harrow Road East
-
£535k
-
Priory Cottage Harrow Road East
-
£395k
-
Fernbank Harrow Road East
-
£500k
-

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