1 Seale Lodge Cottages, Elstead Road, Seale, Farnham, GU10 1HU

UPRN:10007089708End Terrace Bungalow3 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: D (66)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

1 Seale Lodge Cottages, Elstead Road, Seale, Farnham, GU10 1HU

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£559,000

£531k - £586kHigh

Estimate

£559k

Range

£531k – £586k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

5.66%

Verdict

Derived from HomePortfolio scores

1 Seale Lodge Cottages earns an INVESTIGATE rating with HP Score 65/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (10/100). 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 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

10/ 100

Low

Transit & Bike

Transit 2Bike 33

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 edge0/15
claims [AVM +5.2% (HIGH), sold-comps -19.1%, £/sqft -19.0%] → 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 10007089708· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%· as of 31 Oct 2026
Rental economics4.6/40
gross yield 5.7%; range width penalty ×0.88
- valuation_snapshotsrent estimate 2500/mo (range 2300-2700)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -528/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 9 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 222 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 & liquidity14.7/15
222 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

£397,500£609,500

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£530,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,300-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £176,800
Net cash flow: -£58/mo
Cash on cash: -0.4%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.40 - 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 10007089708Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.9%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 2500/mo (range 2300-2700)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 2500/mo (range 2300-2700)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 222 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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£559,000

Rent Estimate (pcm)£2,500

Gross Yield5.66%

1y Growth-

3y Growth-1.6%

5y Growth-1.0%

10y Growth+1.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3GU10 1HU

Approval Rate

0%12mo

Development

low

26/T/00206
T1 Yew ? Reduce in height by 1 metres and reduce sides all round by 0.5 metres. T2: Beech ? Crown lift to 2.5 metres. T3: Field Maple ? Crown lift to 2.5 metres. G1: Hazel/Mield maple ? Reduce in height by 1 metres and reduce lateral growth to the east by 2 metres (Seale Cons)
Approved
26/T/00080
T1 (Horse Chestnut): Reduce crown height by 2.5-3m. Reduce lateral crown spread to the North over the road by 1.5-2m. Shaping the upper peripheral crown to shape. Reduce the lateral crown to the South by 1.5m, shaping the upper peripheral crown to shape. The finished height is to be approximately 16m with an average radial spread of 6m. T2 (Sycamore): Reduce crown height by 2.5-3m. Reduce lateral crown spread to the North, West and South by 2m. The finished height is approximately 15m with an average radial spread of 5m. (TPO P1/201/82)
Conditions
26/D/00032
Discharge of conditions 3 (Cycle parking),4 (EV Charging),5 (Water Efficiency) and 6 (Biodiversity enhancement scheme) of planning permission 23/P/00422 approved 14/01/2024
Approved

View Planning Timeline

Ownership

Corporate Ownership74.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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 Occupied85%

Age Distribution

0-15 16%16-64 58%65+ 26%

View Area Profile

Schools Nearby

St Paul's CofE Primary School & Nursery
0.8 mi
Good
Ash Manor School
1.2 mi
Good
Walsh CofE Junior School
1.5 mi
Inspected as Walsh CofE Junior School (URN 125156) on 14 Jun 2022
Walsh CofE Infant School
1.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Manor Farm Barn Elstead Road
-
£1.75M
-
Seale Lodge Cottages Elstead Road
-
£318k
-
The Old Granary Elstead Road
-
£950k
-
Seale Lodge Cottages Elstead Road
-
£339k
-

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