63 Underwood Road, Reading, RG30 3LZ

UPRN:100080247608Semi-Detached House6 bedsBuilt -

FreeholdCouncil Tax: Band DEPC: C (74)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£494,000

£469k - £518kHigh

Estimate

£494k

Range

£469k – £518k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

3.97%

Verdict

Derived from HomePortfolio scores

63 Underwood Road earns an INVESTIGATE rating with HP Score 71/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (66/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

66/ 100

Moderate

Transit & Bike

Transit 23Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -16.4% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100080247608· as of 9 Nov 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.83
- valuation_snapshotsrent estimate 1900/mo (range 1750-2100)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,159/mo, -61% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 57 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 12 Nov 2026
Risk & liquidity14.7/15
427 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

£431,000£661,000

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£575,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,750-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £192,550
Net cash flow: -£625/mo
Cash on cash: -3.9%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.98 - 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 100080247608Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1900/mo (range 1750-2100)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 1900/mo (range 1750-2100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 57 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£494,000

Rent Estimate (pcm)£1,900

Gross Yield3.97%

1y Growth-

3y Growth+0.5%

5y Growth+2.3%

10y Growth+1.9%

Last Sold Price£191,000 (2002-07-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RG30 3LZ

Approval Rate

-12mo

Development

low

26/02384/NONMAT
Application for a Non-Material Amendment Following a Grant of Planning Permission 26/00216/FUL: Demolition of existing club house and construction of replacement building. Section 73a Application to vary Condition (4) FRA - Finished Floor Levels of planning permission 10/02020/FUL. Amendment of condition 3 wording from "shall be removed within 3 months of the final completion of the new floor level" to "shall be removed within 3 months of canal and river trust approval of works proposal part 2 for removal of said building".
Pending
26/02357/5DAY
50% reduction of the Lombardy Poplar due to limb failure associated with decay column from previous branch failure in centre of crown
Approved
26/02322/HOUSE
First floor side extension to accommodate disabled family member.
Pending

View Planning Timeline

Ownership

Corporate Ownership68.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-07-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,513

Population Density5,877 /km²

Owner Occupied59%

Age Distribution

0-15 17%16-64 62%65+ 21%

View Area Profile

Schools Nearby

Kennet Valley Primary School
0.0 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
The Holy Brook School
0.4 mi
-
Manor Primary School
0.4 mi
Good
King's Academy Prospect
0.6 mi
Good

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

27 Underwood Road
-
£375k
-
45 Underwood Road
-
£390k
-
59 Underwood Road
-
£315k
-
23 Underwood Road
-
£350k
-

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