21 Fir Cottage Road, Finchampstead, Wokingham, RG40 4RY

UPRN:14009818Detached House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band FEPC: D (64)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

21 Fir Cottage Road, Finchampstead, Wokingham, RG40 4RY

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£832,000

£790k - £873kHigh

Estimate

£832k

Range

£790k – £873k

Rent Estimate (pcm)

£3,350

£3k - £4k

Monthly

£3,350

Yield

4.73%

Verdict

Derived from HomePortfolio scores

21 Fir Cottage Road earns an INVESTIGATE rating with HP Score 66/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (21/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

6/ 100

Low

Walkability

21/ 100

Low

Transit & Bike

Transit 4Bike 22

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 -2.2% (HIGH), sold-comps -36.2%, £/sqft -36.1%] → 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 13 Oct 2026
- valuation_snapshotsestimate for 14009818· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 7.7%· as of 29 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.81
- valuation_snapshotsrent estimate 3350/mo (range 3050-3700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,254/mo, -37% 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), 39 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 & liquidity14.6/15
324 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

£637,500£977,500

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£850,000

At the asking price

Monthly rent£3,350/mo

Evidenced range £3,050-£3,700

Interest rate5.4%

Loan to value75%

Cash required: £288,800
Net cash flow: -£550/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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 14009818Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 7.7%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 3350/mo (range 3050-3700)Rental 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 3350/mo (range 3050-3700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 39 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. 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£832,000

Rent Estimate (pcm)£3,350

Gross Yield4.73%

1y Growth-

3y Growth-1.6%

5y Growth+1.0%

10y Growth+0.8%

Last Sold Price£687,500 (2021-04-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RG40 4RY

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
262442
Householder application for the proposed conversion of existing garage to create habitable accommodation and erection of an infill linking extension plus first floor side extension along with changes to fenestration.
Pending
262247
Full application for the proposed erection of 2no dwellings along with relocation of the site access and associated landscaping following demolition of the existing 2no dwellings and removal of existing storage yard.
Pending

View Planning Timeline

Ownership

Corporate Ownership55.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-04-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,538

Population Density2,679 /km²

Owner Occupied78%

Age Distribution

0-15 18%16-64 63%65+ 19%

View Area Profile

Schools Nearby

Waverley Preparatory School & Day Nursery
0.3 mi
Inspected by ISI
Gorse Ride Junior School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Gorse Ride Infants' School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Nine Mile Ride Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

18 Fir Cottage Road
-
£560k
-
11 Fir Cottage Road
-
£685k
-
30 Fir Cottage Road
-
£760k
-
3 Fir Cottage Road
-
£825k
-

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