Portnall Cottage, Wellington Avenue, Virginia Water, GU25 4HU

UPRN:100062338439Semi-Detached House2 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: C (73)

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

Portnall Cottage, Wellington Avenue, Virginia Water, GU25 4HU

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£1,006,000

£905k - £1.11MMedium

Estimate

£1.01M

Range

£905k – £1.11M

Rent Estimate (pcm)

£4,600

£4k - £5k

Monthly

£4,600

Yield

5.55%

Verdict

Derived from HomePortfolio scores

Portnall Cottage earns an INVESTIGATE rating with HP Score 72/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (26/100). 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

72/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

26/ 100

Low

Transit & Bike

Transit 5Bike 33

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 10 Nov 2026

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

Check before relying on this score: the advert has 4 bedrooms but the valuation snapshot describes 2 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +1.1% (MEDIUM), sold-comps -21.6%, £/sqft -21.7%] → 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 100062338439· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 13.4%· as of 29 Oct 2026
Rental economics3.6/40
gross yield 5.5%; range width penalty ×0.83
- valuation_snapshotsrent estimate 4600/mo (range 4150-5000)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -947/mo, -21% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 88 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 10 Nov 2026
Risk & liquidity12.8/15
52 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

£746,000£1,144,000

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£995,000

At the asking price

Monthly rent£4,600/mo

Evidenced range £4,150-£5,000

Interest rate5.4%

Loan to value75%

Cash required: £343,050
Net cash flow: -£174/mo
Cash on cash: -0.6%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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 100062338439Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 13.4%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 4600/mo (range 4150-5000)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 4600/mo (range 4150-5000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 88 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£1,006,000

Rent Estimate (pcm)£4,600

Gross Yield5.55%

1y Growth-

3y Growth+0.4%

5y Growth-2.2%

10y Growth+0.2%

Last Sold Price£400,000 (2014-09-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

4GU25 4HU

Approval Rate

100%12mo

Development

low

RU.26/1516
Non Material Amendment to planning permission RU.26/0636 for alterations to proposed fenestration
Pending
RU.26/1522
Non Material Amendment to planning permission RU.24/0451 to amend the development description to include reference to alteration of landscaping, outbuildings and boundary treatment details.
Pending
RU.26/1409
The construction of a detached two storey house with associated parking including parking provision for the existing house including creation of new vehicular access to Kitsmead Lane (relocating existing access), following demolition of existing home office and outbuildings.
Pending

View Planning Timeline