Riverside House, 31 Wharf Road, Shillingford, Wallingford, OX10 7EW

UPRN:100121302005Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: -

Data freshness:Price Paid· freshPlanning· 4mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 3mo ago

Riverside House, 31 Wharf Road, Shillingford, Wallingford, OX10 7EW

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£1,741,000

£1.65M - £1.83MHigh

Estimate

£1.74M

Range

£1.65M – £1.83M

Rent Estimate (pcm)

£5,900

£5k - £7k

Monthly

£5,900

Yield

4.05%

Verdict

Derived from HomePortfolio scores

Riverside House earns an INVESTIGATE rating with HP Score 66/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (12/100). 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 SourcesPortal 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

12/ 100

Low

Transit & Bike

Transit 8Bike 42

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 27 Oct 2026

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

Valuation edge0/15
claims [AVM -0.5% (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 Oct 2026
- valuation_snapshotsestimate for 100121302005· as of 9 Oct 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.76
- valuation_snapshotsrent estimate 5900/mo (range 5250-6550)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,176/mo, -54% 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 27 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 209 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 27 Oct 2026
Risk & liquidity14.6/15
278 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

£1,312,500£1,969,000

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£1,750,000

At the asking price

Monthly rent£5,900/mo

Evidenced range £5,250-£6,550

Interest rate5.4%

Loan to value75%

Cash required: £650,050
Net cash flow: -£1,822/mo
Cash on cash: -3.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.00 - 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 100121302005Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 5900/mo (range 5250-6550)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 27 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 27 Oct 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 5900/mo (range 5250-6550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 209 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£1,741,000

Rent Estimate (pcm)£5,900

Gross Yield4.05%

1y Growth-

3y Growth-3.4%

5y Growth-0.8%

10y Growth+2.0%

Last Sold Price£500,000 (1997-04-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OX10 7EW

Approval Rate

-12mo

Development

low

P26/S2018/LB
The proposed works comprise a programme of external repair and conservation-led restoration works. Rainwater discharge arrangements will be improved through the installation of a new soakaway system within the south garden area to reduce moisture saturation adjacent to the building.
Approved
P26/S1722/TCA
T1 Silver Birch Sectional fell to ground level.
Approved
P26/S1532/TPO
T1 Maple - Remove lowest branch to raise crown and deadwood.
Approved

View Planning Timeline

Ownership

Corporate Ownership69.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1997-04-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,026

Population Density-

Owner Occupied79%

Age Distribution

0-15 15%16-64 53%65+ 32%

View Area Profile

Schools Nearby

St Laurence Church of England School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Brightwell-Cum-Sotwell Church of England Primary School
1.2 mi
Good
Dorchester St Birinus Church of England School
1.4 mi
-
Benson Church of England Primary School
1.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

4 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

25 Wharf Road
-
£1.20M
-
Shillingford Farmhouse Wharf Road
-
£1.48M
-
23 Wharf Road
-
£1.15M
-
17 Wharf Road
-
£620k
-

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