16 Cowden Close, Farnham, GU9 9FG

UPRN:10013891173Semi-Detached HouseBeds -Built 2003-2006

FreeholdCouncil Tax: Band EEPC: C (80)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£563,000

£451k - £676kLow

Estimate

£563k

Range

£451k – £676k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

4.80%

Verdict

Derived from HomePortfolio scores

16 Cowden Close earns an INVESTIGATE rating with HP Score 70/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (54/100). 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 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 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

59/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

54/ 100

Moderate

Transit & Bike

Transit 12Bike 51

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - 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£525,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,900-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: -£318/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£563,000

Rent Estimate (pcm)£2,100

Gross Yield4.80%

1y Growth-

3y Growth-0.3%

5y Growth+0.8%

10y Growth+2.2%

Last Sold Price£330,000 (2008-11-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0GU9 9FG

Approval Rate

-12mo

Development

low

WA/2026/02007
Certificate of lawfulness under section 192 for hip to gable and dormer extensions to provide habitable accommodation in roof space.
Pending
WA/2026/01920
Listed building consent for alterations to existing conservatory installation of rooflights and internal and external alterations including relocation of entrance door and window.
Pending
WA/2026/01782
Erection of extensions and alterations following demolition of garage.
Pending

View Planning Timeline

Ownership

Corporate Ownership59.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-11-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£42,326

Population Density2,511 /km²

Owner Occupied59%

Age Distribution

0-15 20%16-64 66%65+ 14%

View Area Profile

Schools Nearby

St Polycarp's Catholic Primary School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
South Farnham School
0.7 mi
Outstanding
Farnham Heath End
0.8 mi
Good
The Abbey School
0.8 mi
OutstandingConcerns

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

View All Schools

Comparables

View All

17 Cowden Close
-
£500k
-
20 Cowden Close
-
£490k
-
19 Cowden Close
-
£483k
-
5 Cowden Close
-
£435k
-

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