Stable Cottage, Lockner Farm, Dorking Road, Chilworth, GU4 8RH

UPRN:10096287610-3 bedsBuilt 2023

FreeholdCouncil Tax: Band FEPC: C (71)

Data freshness:Ownership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Stable Cottage, Lockner Farm, Dorking Road, Chilworth, GU4 8RH

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

£1,109,000

£1.05M - £1.16MHigh

Estimate

£1.11M

Range

£1.05M – £1.16M

Rent Estimate (pcm)

£4,150

£4k - £5k

Monthly

£4,150

Yield

4.98%

Verdict

Derived from HomePortfolio scores

Stable Cottage earns an INVESTIGATE rating with HP Score 65/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (15/100). 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 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

15/ 100

Low

Transit & Bike

Transit 8Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 +9.8% (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 Nov 2026
- valuation_snapshotsestimate for 10096287610· as of 9 Nov 2026
Rental economics0/40
gross yield 5.0%; range width penalty ×0.74
- valuation_snapshotsrent estimate 4150/mo (range 3650-4600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,298/mo, -31% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 65 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 4 Nov 2026
Risk & liquidity14.7/15
198 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

£750,000£1,150,000

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£1,000,000

At the asking price

Monthly rent£4,150/mo

Evidenced range £3,650-£4,600

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£502/mo
Cash on cash: -1.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - 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 10096287610Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 4150/mo (range 3650-4600)Rental economics · as of 9 Nov 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

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 4150/mo (range 3650-4600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 65 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£1,109,000

Rent Estimate (pcm)£4,150

Gross Yield4.98%

1y Growth-

3y Growth-2.5%

5y Growth+0.6%

10y Growth+1.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

7GU4 8RH

Approval Rate

75%12mo

Development

low

26/P/01375
Certificate of lawfulness for existing development to establish whether the erection of a single storey side extension, garden room and hard standing is lawful.
Pending
26/P/01157
Erection of single storey rear extension/patio and alterations to existing fenestration.
Approved
26/P/01111
Certificate of lawfulness for a proposed development to establish whether the installation of solar panels on pitched roof of existing dwelling would be lawful
Approved

View Planning Timeline

Ownership

Corporate Ownership75.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
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£39,985

Population Density109 /km²

Owner Occupied76%

Age Distribution

0-15 16%16-64 57%65+ 27%

View Area Profile

Schools Nearby

Chilworth CofE (Aided) Infant School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Tillingbourne Junior School
1.1 mi
Inspected as Tillingbourne Junior School (URN 125079) on 13 Jun 2019
Holy Trinity, Guildford, CofE Aided Junior School
1.9 mi
Good
Shalford Infant School
2.0 mi
Good

2 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Lockner Farm Cottage Dorking Road
-
£200k
-
Longfrey Cottage Dorking Road
-
£1.33M
-
Lockner Farmhouse Dorking Road
-
£590k
-

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