86 Reading Road, Finchampstead, Wokingham, RG40 4RA

UPRN:14006277Detached House2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band EEPC: C (71)

Data freshness:Listing· freshPrice Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

86 Reading Road, Finchampstead, Wokingham, RG40 4RA

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£573,000

£544k - £601kHigh

Estimate

£573k

Range

£544k – £601k

Rent Estimate (pcm)

£2,300

£2k - £3k

Monthly

£2,300

Yield

5.52%

Verdict

Derived from HomePortfolio scores

86 Reading Road earns an INVESTIGATE rating with HP Score 62/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (24/100). 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 NationsOfcom mobile coverageMarket 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

62/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

24/ 100

Low

Transit & Bike

Transit 6Bike 29

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£500,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,100-£2,550

Interest rate5.4%

Loan to value75%

Cash required: £166,300
Net cash flow: -£95/mo
Cash on cash: -0.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.36 - clears 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£573,000

Rent Estimate (pcm)£2,300

Gross Yield5.52%

1y Growth-35.3%

3y Growth-1.6%

5y Growth+1.0%

10y Growth+0.8%

Last Sold Price£204,000 (1999-04-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3RG40 4RA

Approval Rate

100%12mo

Development

low

26/01805/PREAPP
Proposed Storage Shed
Pending
26/01651/TPO
T1. Oak - Reduce lowest lateral branch by 2m to alleviate loading forces and create a 2m clearance from structures. Pruning into suitable growth points.
Pending
26/01609/CA
T1. Leylandii - Remove T2. Bay - Remove T3. Willow - Crown lift by 1m. Crown reduction to approximately 5m G1. Holly & Cupressus - Remove
Approved

View Planning Timeline