Flat, Inn House, 164 Portsmouth Road, Cobham, KT11 1HS

UPRN:10033324939Detached PropertyBeds -Built -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

Flat, Inn House, 164 Portsmouth Road, Cobham, KT11 1HS

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

£884,000

£839k - £928kHigh

Estimate

£884k

Range

£839k – £928k

Rent Estimate (pcm)

£3,750

£3k - £4k

Monthly

£3,750

Yield

5.66%

Verdict

Derived from HomePortfolio scores

Flat earns an INVESTIGATE rating with HP Score 61/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (16/100). 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 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

16/ 100

Low

Transit & Bike

Transit 16Bike 28

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 +10.1% (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 10033324939· as of 9 Oct 2026
Rental economics4.4/40
gross yield 5.7%; range width penalty ×0.83
- valuation_snapshotsrent estimate 3750/mo (range 3400-4100)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -728/mo, -19% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 270 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 6 Nov 2026
Risk & liquidity14.6/15
167 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

£596,000£914,000

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£795,000

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,400-£4,100

Interest rate5.4%

Loan to value75%

Cash required: £269,550
Net cash flow: -£87/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 10033324939Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3750/mo (range 3400-4100)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 3750/mo (range 3400-4100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 270 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. 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.
3. 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£884,000

Rent Estimate (pcm)£3,750

Gross Yield5.66%

1y Growth-

3y Growth-4.8%

5y Growth-1.9%

10y Growth+1.2%

Last Sold Price£130,000 (1996-08-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0KT11 1HS

Approval Rate

-12mo

Development

low

2026/2363
Non-Material Amendment to planning permission 2025/0373 to revise the landscape plan to remove the trees from the rear gardens of plots 1-8 and replace them within management controlled areas.
Pending
2026/2235
Confirmation of Compliance with Condition: 2 (Materials) of planning permission 2025/0056.
Pending
2026/2233
Confirmation of Compliance with Conditions: 3 (Refuse/recycle) 4 (Cycle Parking) and 5 (Electric Vehicle Charging) of Prior Approval 2025/1374.
Pending

View Planning Timeline

Ownership

Corporate Ownership55.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1996-08-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£42,607

Population Density-

Owner Occupied53%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

St Andrew's Church of England Primary School
0.3 mi
Inspected as St Andrew's CofE Primary School (URN 125158) on 24 Jun 2014
Cobham Montessori School
0.6 mi
Outstanding
Cobham Free School
0.7 mi
Good
Notre Dame School
0.7 mi
Inspected by ISI

2 of 5 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

172 Portsmouth Road
-
£280k
-
172 Portsmouth Road
-
£315k
-
158A Portsmouth Road
-
£745k
-
178 Portsmouth Road
-
£405k
-

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