57 Ratby Close, Lower Earley, Reading, RG6 4ER

UPRN:14019980End Terrace House2 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band CEPC: D (66)

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

57 Ratby Close, Lower Earley, Reading, RG6 4ER

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£363,000

£344k - £381kHigh

Estimate

£363k

Range

£344k – £381k

Rent Estimate (pcm)

£2,500

£2k - £3k

Monthly

£2,500

Yield

8.57%

Verdict

Derived from HomePortfolio scores

57 Ratby Close earns an INVESTIGATE rating with HP Score 77/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (61/100). 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

77/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

61/ 100

Moderate

Transit & Bike

Transit 21Bike 55

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£350,000

At the asking price

Monthly rent£2,500/mo

Evidenced range £2,350-£2,600

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: £550/mo
Cash on cash: 5.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.12 - 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£363,000

Rent Estimate (pcm)£2,500

Gross Yield8.57%

1y Growth-2.1%

3y Growth+0.7%

5y Growth+2.9%

10y Growth+1.9%

Last Sold Price£158,500 (2002-05-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1RG6 4ER

Approval Rate

0%12mo

Development

low

262482
Householder application for the proposed erection of a single storey rear extension with a flat roof and roof lantern, following demolition of the existing conservatory.
Pending
262400
Application for non-material amendment to planning permission 260603 to allow changes to fenestration and roof lights.
Pending
262386
Householder application for the proposed erection of a single storey front and rear extensions following demolition of existing front and rear extensions.
Pending

View Planning Timeline

Ownership

Corporate Ownership59.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-05-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,538

Population Density-

Owner Occupied65%

Age Distribution

0-15 16%16-64 73%65+ 11%

View Area Profile

Schools Nearby

Radstock Primary School
0.4 mi
Inspected as Radstock Primary School (URN 109927) on 12 Jan 2022
Loddon Primary School
0.5 mi
Good
Maiden Erlegh School
0.6 mi
Outstanding
Hawkedon Primary School
0.7 mi
-

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

View All Schools

Comparables

View All

20 Ratby Close
-
£575k
-
44 Ratby Close
-
£263k
-
60 Ratby Close
-
£391k
-
24 Ratby Close
-
£245k
-

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