21 Stream Farm Close, Lower Bourne, Farnham, GU10 3PD

UPRN:100061609182Detached HouseBeds -Built 1967-1975

FreeholdCouncil Tax: Band FEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

21 Stream Farm Close, Lower Bourne, Farnham, GU10 3PD

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£751,000

£676k - £826kMedium

Estimate

£751k

Range

£676k – £826k

Rent Estimate (pcm)

£2,350

£2k - £3k

Monthly

£2,350

Yield

1.88%

Verdict

Derived from HomePortfolio scores

21 Stream Farm Close earns an INVESTIGATE rating with HP Score 75/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (44/100). 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

58/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

44/ 100

Mixed

Transit & Bike

Transit 14Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-0.6/15
claims [AVM -99.7% (MEDIUM), sold-comps -138.1%, £/sqft -138.2%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100061609182· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24%· as of 7 Nov 2026
Rental economics0/40
gross yield 1.9%; range width penalty ×0.69
- valuation_snapshotsrent estimate 2350/mo (range 2050-2650)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -4,731/mo, -201% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 48 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 9 Nov 2026
Risk & liquidity12.8/15
222 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£2,350/mo

Evidenced range £2,050-£2,650

Interest rate5.4%

Loan to value75%

Cash required: £545,050
Net cash flow: -£3,436/mo
Cash on cash: -7.6%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.46 - 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 100061609182Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 2350/mo (range 2050-2650)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 2350/mo (range 2050-2650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 48 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£751,000

Rent Estimate (pcm)£2,350

Gross Yield1.88%

1y Growth+6.2%

3y Growth-1.6%

5y Growth-1.0%

10y Growth+1.3%

Last Sold Price£670,500 (2025-09-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GU10 3PD

Approval Rate

-12mo

Development

low

WA/2026/01965
Erection of an orangery.
Pending
WA/2026/02035
Construction of vehicular access and entrance gate with associated works to driveway including installation of livestock gates following demolition of existing outbuildings.
Pending
WA/2026/01934
Erection of a garage extension to the existing pool house with alterations and installation of solar panels and associated alterations to the existing driveway.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-09-09
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£42,326

Population Density-

Owner Occupied82%

Age Distribution

0-15 22%16-64 56%65+ 22%

View Area Profile

Schools Nearby

The Ridgeway School
0.2 mi
Inspected as The Ridgeway Community School (URN 125471) on 5 Jun 2013
The Abbey School
0.7 mi
OutstandingConcerns
South Farnham School
0.8 mi
Outstanding
Highfield South Farnham School
0.8 mi
Outstanding

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

13 Stream Farm Close
-
£1.32M
-
21 Stream Farm Close
-
£671k
-
6 Stream Farm Close
-
£765k
-
26 Stream Farm Close
-
£940k
-

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