2 Railway Cottages, Station Approach, East Horsley, Leatherhead, KT24 6QX

UPRN:10007103484Semi-Detached House3 bedsBuilt 2012 onwards

FreeholdCouncil Tax: Band FEPC: C (80)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

2 Railway Cottages, Station Approach, East Horsley, Leatherhead, KT24 6QX

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£692,000

£658k - £727kHigh

Estimate

£692k

Range

£658k – £727k

Rent Estimate (pcm)

£3,050

£3k - £3k

Monthly

£3,050

Yield

5.27%

Verdict

Derived from HomePortfolio scores

2 Railway Cottages earns an INVESTIGATE rating with HP Score 79/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (52/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

52/ 100

Moderate

Transit & Bike

Transit 20Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 Nov 2026

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

Valuation edge2.5/15
claims [AVM -0.4% (HIGH), sold-comps +3.5%, £/sqft +3.4%] → measured edge +0.50pp 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 10007103484· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 24.3%· as of 29 Oct 2026
Rental economics1.9/40
gross yield 5.3%; range width penalty ×0.87
- valuation_snapshotsrent estimate 3050/mo (range 2800-3300)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -820/mo, -27% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 158 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 2 Nov 2026
Risk & liquidity14.6/15
83 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

£521,000£799,000

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£695,000

At the asking price

Monthly rent£3,050/mo

Evidenced range £2,800-£3,300

Interest rate5.4%

Loan to value75%

Cash required: £234,550
Net cash flow: -£234/mo
Cash on cash: -1.2%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.30 - 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 10007103484Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 24.3%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 3050/mo (range 2800-3300)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 3050/mo (range 2800-3300)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 158 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.
1 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£692,000

Rent Estimate (pcm)£3,050

Gross Yield5.27%

1y Growth-

3y Growth-2.5%

5y Growth+0.5%

10y Growth+2.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0KT24 6QX

Approval Rate

-12mo

Development

low

26/N/00084
Non Material Amendment to planning permission 26/P/00705 approved 17/07/2026 for the removal of proposed new flat roof and substitution with a valley gutter between pitched roofs, amended internal layout with relocation of bedroom and kitchen with the footprint and substitution of extension rear window with French doors
Pending
26/D/00100/2
Discharge of condition 6 (SAP calculations) of planning permission 26/P/00121 approved 29/5/2026.
Approved
26/T/00260
T1 (Oak): Remove lowest 3-4 small branches to main stem to lift; and also thin crown by 15% to improve appearance and improve light to garden beneath. G1 (3x Oak): Reduce height and spread by 3 metres to improve overall shape of the trees and reduce risk of future branch failure. T2 (Ash): Dismantle to near ground level as it has early stage of Ash dieback, to benefit adjacent Oak tree group's overall health and form (TPO No. 5 of 2020)
Pending

View Planning Timeline