43 St Margarets, London Road, Guildford, GU1 1TL

UPRN:10007062238Flat/Maisonette2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band DEPC: E (43)

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

43 St Margarets, London Road, Guildford, GU1 1TL

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£328,000

£312k - £345kHigh

Estimate

£328k

Range

£312k – £345k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

4.83%

Verdict

Derived from HomePortfolio scores

43 St Margarets earns an INVESTIGATE rating with HP Score 70/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (50/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket 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

70/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

32/ 100

Moderate

Walkability

50/ 100

Moderate

Transit & Bike

Transit 19Bike 54

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - sale already progressing, not an actionable opportunity

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£360,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,300-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £117,300
Net cash flow: -£211/mo
Cash on cash: -2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£328,000

Rent Estimate (pcm)£1,450

Gross Yield4.83%

1y Growth+2.1%

3y Growth-1.3%

5y Growth-0.6%

10y Growth+0.9%

Last Sold Price£330,000 (2025-07-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0GU1 1TL

Approval Rate

-12mo

Development

low

26/D/00142/2
Please see Cover Letter
Pending
26/T/00300
T1 (Western red cedar (Thuja Plicata)) - Reduce the crown on the drive and pavement sides by approx. 1.5m, pruning back to suitable growth points and retaining live foliage on every branch cut, from a radial spread of approx. 5m to approx. 4m on those sides. Remove the large limb over the carport, approx. 200mm diameter and arising at approx. 4m above ground level, back to its point of origin at the main stem. Crown lift over the drive and pavement from approx. 1.5m to 3m clearance above ground level, removing lower branches up to approx. 75mm diameter. Reduce the height by up to 1m if necessary to maintain shape after pruning. Finished dimensions: height approx. 16m (unchanged), radial spread approx. 3.5m on the drive and pavement sides and approx. 5m on all other sides, crown clearance 3m over the drive and pavement. (TPO P1/201/55 & Waterden Road Conservation Area)
Pending
26/P/01420
Partial garage conversion, erection of detached garden room and alterations to fenestration
Pending

View Planning Timeline

Ownership

Corporate Ownership43.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2025-07-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£39,985

Population Density-

Owner Occupied62%

Age Distribution

0-15 17%16-64 64%65+ 19%

View Area Profile

Schools Nearby

Tormead School
0.2 mi
Inspected by ISI
Guildford High School
0.3 mi
Inspected by ISI
Boxgrove Primary School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Sandfield Primary School
0.7 mi
Good

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

39 St Margarets
-
£367k
-
43 St Margarets
-
£330k
-
38 St Margarets
-
£348k
-
53 St Margarets
-
£392k
-

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