Annexe at, Silverdene, Clifton Road, Bowers Gifford, SS13 2LF

UPRN:10093029410-Beds -Built -

Tenure: -Council Tax: -EPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Annexe at, Silverdene, Clifton Road, Bowers Gifford, SS13 2LF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

14 of 21 sources

Sale Estimate

£705,000

£564k - £846kLow

Estimate

£705k

Range

£564k – £846k

Rent Estimate (pcm)

£3,400

£3k - £4k

Monthly

£3,400

Yield

7.42%

Verdict

Derived from HomePortfolio scores

Annexe at earns an INVESTIGATE rating with HP Score 53/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is moderate. Walkability is limited (17/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal listingsMarket estimates (third-party AVM)Defra 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

53/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

47/ 100

Elevated

Walkability

17/ 100

Low

Transit & Bike

Transit 6Bike 30

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics17.5/40
gross yield 7.4%; range width penalty ×0.91; the estimate this rent rides on sits 22% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3400/mo (range 3150-3650)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin1.4/30
stressed cash flow +49/mo, +1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Risk & liquidity9.2/15
182 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£550,000

At the asking price

Monthly rent£3,400/mo

Evidenced range £3,150-£3,650

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: £498/mo
Cash on cash: 3.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.83 - 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_snapshotsrent estimate 3400/mo (range 3150-3650)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 3400/mo (range 3150-3650)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£705,000

Rent Estimate (pcm)£3,400

Gross Yield7.42%

1y Growth-

3y Growth+0.7%

5y Growth+3.0%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1SS13 2LF

Approval Rate

100%12mo

Development

low

26/01171/COND
Approval of details reserved by Planning Condition 9 (Construction Environmental Management Plan for Biodiversity), Condition 13 (Badger Mitigation Strategy), Condition 14 (Reptile Mitigation Strategy), Condition 22 (Demolition and Construction Method Statement, and Condition 30 (Construction Management Plan) Phase 0 of approved planning consent 25/01432/OUT.
Pending
26/01172/COND
Approval of details reserved by Condition 9 (Construction Environmental Management Plan for Biodiversity), Condition 13 (Badger Mitigation Strategy), Condition 14 (Reptile Mitigation Strategy) Phases 1 and 2 of approved planning consent 25/01432/OUT.
Pending
26/01140/REM
Reserved Matters application pursuant to outline planning permission 25/01432/OUT seeking approval of appearance, layout, landscaping and scale for Phases 1 and 2 comprising 368 residential dwellings (Use Class C3), community/commercial floorspace (Use Classes E/F.2), public open space, landscaping, drainage infrastructure, parking and associated works.
Pending

View Planning Timeline

Ownership

Corporate Ownership79.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,133

Population Density169 /km²

Owner Occupied82%

Age Distribution

0-15 14%16-64 63%65+ 23%

View Area Profile

Schools Nearby

Glenwood School
0.6 mi
-
Montgomerie Primary School
0.6 mi
Good
Woodham Ley Primary School
0.7 mi
Good
St Margaret's Church of England Academy, Bowers Gifford
0.9 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Silverdene Clifton Road
-
£500k
-
Stanwell Clifton Road
-
£375k
-
Silverdene Clifton Road
-
£495k
-
Selleyhills Clifton Road
-
£315k
-

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