12 The Ridgeway, Fetcham, Leatherhead, KT22 9AZ

UPRN:100062370541Detached House5 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

12 The Ridgeway, Fetcham, Leatherhead, KT22 9AZ

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

£1,886,000

£1.79M - £1.98MHigh

Estimate

£1.89M

Range

£1.79M – £1.98M

Rent Estimate (pcm)

£8,200

£7k - £9k

Monthly

£8,200

Yield

5.19%

Verdict

Derived from HomePortfolio scores

12 The Ridgeway earns an INVESTIGATE rating with HP Score 71/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (25/100). 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 SourcesPortal 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

71/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

25/ 100

Low

Transit & Bike

Transit 4Bike 25

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 100062370541· as of 12 Oct 2026
Rental economics1.3/40
gross yield 5.2%; range width penalty ×0.85
- valuation_snapshotsrent estimate 8200/mo (range 7450-8900)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,098/mo, -26% 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), 117 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 & liquidity14.6/15
273 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

£1,421,000£1,989,500

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£1,895,000

At the asking price

Monthly rent£8,200/mo

Evidenced range £7,450-£8,900

Interest rate5.4%

Loan to value75%

Cash required: £710,950
Net cash flow: -£719/mo
Cash on cash: -1.2%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 100062370541Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 8200/mo (range 7450-8900)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 8200/mo (range 7450-8900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 117 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£1,886,000

Rent Estimate (pcm)£8,200

Gross Yield5.19%

1y Growth-

3y Growth-1.9%

5y Growth-2.1%

10y Growth+0.8%

Last Sold Price£875,000 (2002-06-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1KT22 9AZ

Approval Rate

-12mo

Development

low

MO/2026/01587
G1 - Lawson Cypress x 3 - Fell to ground level.
Pending
MO/2026/01598
Submission of details pursuant to Condition 10 of planning permission MO/2023/1665 for the erection of 8 No. dwellings, associated new access, tree works, landscaping and parking, following demolition of existing 2 No. dwellings and outbuildings.
Pending
MO/2026/01585
T1 ,2 & 3 Mature Lime trees. Reduce back to previous reduction points. 20 m reduce regrowth by 2- 3 meters max. Width 7m reduce regrowth 2 metres leaving main frame. T4 Beech tree reduce back to previous points. 15metres height, finish height 12metres. Width 10 metres finish width 8 metres, leaving natural small diameter regrowth to develop new canopy.
Pending

View Planning Timeline

Ownership

Corporate Ownership56.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-06-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,341

Population Density607 /km²

Owner Occupied95%

Age Distribution

0-15 15%16-64 50%65+ 35%

View Area Profile

Schools Nearby

Oakfield Junior School
0.2 mi
GoodImproving
Fetcham Village Infant School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Eastwick Junior School
0.7 mi
-
Eastwick Infant School
0.7 mi
Good

1 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

10 The Ridgeway
-
£1.18M
-
6 The Ridgeway
-
£1.35M
-
28 The Ridgeway
-
£1.85M
-
4 The Ridgeway
-
£1.35M
-

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