Whitehill Lodge, Portsmouth Road, Ripley, Woking, GU23 6EW

UPRN:10007062075Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band GEPC: C (73)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

Whitehill Lodge, Portsmouth Road, Ripley, Woking, GU23 6EW

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£796,000

£756k - £836kHigh

Estimate

£796k

Range

£756k – £836k

Rent Estimate (pcm)

£2,700

£2k - £3k

Monthly

£2,700

Yield

4.47%

Verdict

Derived from HomePortfolio scores

Whitehill Lodge earns an INVESTIGATE rating with HP Score 59/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is moderate. 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 SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

47/ 100

Elevated

Walkability

25/ 100

Low

Transit & Bike

Transit 8Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 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 +8.9% (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 9 Nov 2026
- valuation_snapshotsestimate for 10007062075· as of 9 Nov 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.72
- valuation_snapshotsrent estimate 2700/mo (range 2400-3050)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,204/mo, -45% 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), 285 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 & liquidity14.6/15
68 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

£544,000£833,500

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£725,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,400-£3,050

Interest rate5.4%

Loan to value75%

Cash required: £245,050
Net cash flow: -£578/mo
Cash on cash: -2.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.10 - 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 10007062075Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2700/mo (range 2400-3050)Rental economics · as of 9 Nov 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
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 2700/mo (range 2400-3050)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 285 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£796,000

Rent Estimate (pcm)£2,700

Gross Yield4.47%

1y Growth-64.2%

3y Growth-4.4%

5y Growth+1.1%

10y Growth+2.8%

Last Sold Price£530,000 (2015-09-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1GU23 6EW

Approval Rate

100%12mo

Development

low

26/P/01410
Outline planning application with all matters reserved except means of access for residential development of up to 500 dwellings (Use Class C3), a commercial or community unit (Use Class E or F2), landscaping, public open space, and all associated infrastructure.
Pending
26/P/01401
Application under Section 73 of the Town and Country Planning Act 1990 (as amended) to vary condition 2 (approved drawings), 4 (EV charging/ parking details) and 5 (EV charging layout plan) of planning permission 25/P/00260 (which was for the installation of 5no EV charging stations to provide 10no EV charging bays, amendments to provide additional parking spaces and associated infrastructure, internal layout changes and landscaping) to allow for changes for a revised layout to reduce number of EV chargers, reducing extent of existing soft verge and tree area with associated changes to infrastructure, parking, vehicle tracking and lighting arrangements.
Pending
26/D/00158
Discharge of condition 6 (tree protection), 7 (biodiversity net gain), 8 (ecological enhancements) and 9 (lighting) of planning permission 25/P/00261 approved 02/02/2026
Pending

View Planning Timeline

Ownership

Corporate Ownership78.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-09-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,985

Population Density61 /km²

Owner Occupied76%

Age Distribution

0-15 15%16-64 59%65+ 26%

View Area Profile

Schools Nearby

Ripley Court School
0.6 mi
Inspected by ISI
Send CofE Primary School
1.1 mi
Inspected as Send CofE First School (URN 125285) on 14 Jun 2016
Hoe Bridge School
1.8 mi
Inspected by ISI
Woking College
2.2 mi
-

5 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Aston House Portsmouth Road
-
£240k
-
Aston House Portsmouth Road
-
£230k
-
Whitehill Portsmouth Road
-
£1.04M
-
Aston House Portsmouth Road
-
£240k
-

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