42 Nine Mile Ride, Finchampstead, Wokingham, RG40 4HZ

UPRN:14000018-Beds -Built 1976-1982

Tenure: -Council Tax: Band FEPC: C (71)

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

42 Nine Mile Ride, Finchampstead, Wokingham, RG40 4HZ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£1,070,000

£963k - £1.18MMedium

Estimate

£1.07M

Range

£963k – £1.18M

Rent Estimate (pcm)

£4,300

£4k - £5k

Monthly

£4,300

Yield

5.73%

Verdict

Derived from HomePortfolio scores

42 Nine Mile Ride earns an INVESTIGATE rating with HP Score 66/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (54/100). 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 SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket 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

66/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

54/ 100

Moderate

Transit & Bike

Transit 4Bike 50

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

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

Check before relying on this score: the estimate sits 16% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +15.9% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 14000018· as of 13 Oct 2026
Rental economics4.4/40
gross yield 5.7%; range width penalty ×0.76; the estimate this rent rides on sits 16% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 4300/mo (range 3850-4800)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 16% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -766/mo, -18% 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), 56 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 & liquidity12.8/15
324 sales/12mo in area; valuation range width 20%
- 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

£675,000£1,035,000

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£900,000

At the asking price

Monthly rent£4,300/mo

Evidenced range £3,850-£4,800

Interest rate5.4%

Loan to value75%

Cash required: £306,300
Net cash flow: -£61/mo
Cash on cash: -0.2%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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 14000018Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 4300/mo (range 3850-4800)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 16% 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

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 4300/mo (range 3850-4800)
Rental economics needs verification before you rely on it
sale estimate 16% above the ask on the same snapshot - verify the rent describes this home

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. 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£1,070,000

Rent Estimate (pcm)£4,300

Gross Yield5.73%

1y Growth-

3y Growth-1.6%

5y Growth+1.0%

10y Growth+0.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RG40 4HZ

Approval Rate

-12mo

Development

low

262548
Application for a certificate of lawfulness for the proposed alterations and upgrading of existing Conservatory to provide habitable accommodation. Including the addition of Velux roof windows.
Pending
262321
Householder application for the proposed erection of a single storey rear and front extensions along with changes to fenestration.
Pending
262260
Householder application for the proposed conversion of one garage bay to a temperature-controlled store, installation of a ground-level air-conditioning unit with 0.85 metre-high timber screening, alterations to the external cladding, fenestration and door surrounds, erection of a 2.1 metre-high timber sliding entrance gate with brick piers, and revised landscaping and means of enclosure (retrospective).
Approved

View Planning Timeline

Ownership

Corporate Ownership55.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,538

Population Density403 /km²

Owner Occupied74%

Age Distribution

0-15 24%16-64 57%65+ 19%

View Area Profile

Schools Nearby

Bohunt School Wokingham
0.7 mi
-
Gorse Ride Junior School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Gorse Ride Infants' School
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Nine Mile Ride Primary School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

38 Nine Mile Ride
-
£855k
-
46 Nine Mile Ride
-
£485k
-
50 Nine Mile Ride
-
£590k
-
44 Nine Mile Ride
-
£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