23 Roffes Lane, Chaldon, Caterham, CR3 5PU

UPRN:100061574484Detached HouseBeds -Built -

FreeholdCouncil Tax: Band GEPC: D (59)

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

23 Roffes Lane, Chaldon, Caterham, CR3 5PU

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£1,018,000

£815k - £1.22MLow

Estimate

£1.02M

Range

£815k – £1.22M

Rent Estimate (pcm)

£3,750

£3k - £4k

Monthly

£3,750

Yield

5.00%

Verdict

Derived from HomePortfolio scores

23 Roffes Lane earns an INVESTIGATE rating with HP Score 75/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (47/100). 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

75/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

47/ 100

Mixed

Transit & Bike

Transit 8Bike 24

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 5.0%; range width penalty ×0.72
- valuation_snapshotsrent estimate 3750/mo (range 3300-4200)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,171/mo, -31% 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
Risk & liquidity9.2/15
322 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£900,000

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,300-£4,200

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£441/mo
Cash on cash: -1.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - 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_snapshotsrent estimate 3750/mo (range 3300-4200)Rental economics · as of 10 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
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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 3750/mo (range 3300-4200)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£1,018,000

Rent Estimate (pcm)£3,750

Gross Yield5.00%

1y Growth-

3y Growth-1.2%

5y Growth+0.2%

10y Growth+2.4%

Last Sold Price£247,000 (1997-08-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0CR3 5PU

Approval Rate

-12mo

Development

low

2026/1254/NH
Erection of a single storey rear extension which would extend beyond the rear wall of the original house by 4.35 metres, for which the maximum height would be 3.87 metres, and for which the height of the eaves would be 3.06 metres. (Larger Home Extension) (General Permitted Development) (England) Order 2015 (as amended) - Schedule 2, Part 1, Class A)
Pending
2026/1309/TPO
T1 Oak tree in the front garden. we reduced this tree around 5 years ago we would like to re shape the tree just above the last points, around 1-2M all over whilst removing the epicormic growth on the stem
Pending
2026/1270
Change of use of Queens Park Lodge from a care home (Use Class C2) to a children's day nursery (Use Class E(f)), together with a single-storey rear extension and other associated external alterations and works.
Pending

View Planning Timeline