Sunbeam Cottage, Church Street, Wargrave, Reading, RG10 8EP

UPRN:14039608Terrace Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: D (65)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Sunbeam Cottage, Church Street, Wargrave, Reading, RG10 8EP

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£506,000

£481k - £531kHigh

Estimate

£506k

Range

£481k – £531k

Rent Estimate (pcm)

£1,650

£1k - £2k

Monthly

£1,650

Yield

3.77%

Verdict

Derived from HomePortfolio scores

Sunbeam Cottage earns an INVESTIGATE rating with HP Score 77/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (42/100). 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 NationsMarket 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

66/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

42/ 100

Mixed

Transit & Bike

Transit 10Bike 45

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 -3.8% (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 13 Oct 2026
- valuation_snapshotsestimate for 14039608· as of 13 Oct 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.72
- valuation_snapshotsrent estimate 1650/mo (range 1450-1850)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,132/mo, -69% 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: 3 price cut(s), 283 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
175 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

£394,000£604,000

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£525,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,450-£1,850

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: -£630/mo
Cash on cash: -4.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.93 - 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 14039608Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1450-1850)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
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 1650/mo (range 1450-1850)
Seller motivation could not be scored
context, not scored: 3 price cut(s), 283 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. Ask the agent why the price was reduced and whether a previous sale fell through.
3 price cut(s) recorded on the listing history.
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£506,000

Rent Estimate (pcm)£1,650

Gross Yield3.77%

1y Growth-

3y Growth+1.2%

5y Growth+1.3%

10y Growth+1.9%

Last Sold Price£350,000 (2022-05-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

8RG10 8EP

Approval Rate

66.7%12mo

Development

low

262527
APPLICATION FOR WORKS TO PROTECTED TREE(S) TPO 61/1973. T1, Horse Chestnut - Reduce overall crown by approximately 1.5m, pruning back to suitable historic reduction. Remove epicormic growth from the main stem and remove major deadwood.
Pending
262504
SECTION 211 NOTIFICATION FOR WORKS TO TREE(S) IN A CONSERVATION AREA. T1 (Beech) Top reduction of 2-2.5m and side reduction of 1-1.5m.
Pending
262470
Application for submission of details to comply with the following condition of planning consent 253105 dated 16.02.2026. Part discharge condition 7 relates to decontamination, condition 11 to future homes standard.
Pending

View Planning Timeline

Ownership

Corporate Ownership58.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-05-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

20 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£43,538

Population Density1,133 /km²

Owner Occupied90%

Age Distribution

0-15 18%16-64 55%65+ 27%

View Area Profile

Schools Nearby

Robert Piggott CofE Junior School
0.4 mi
Inspected as Robert Piggott CofE Junior School (URN 109993) on 28 Sep 2023
Robert Piggott CofE Infant School
0.5 mi
Inspected as Robert Piggott CofE Infant School (URN 109989) on 23 Apr 2024
The Piggott School
0.8 mi
GoodImproving
Shiplake College
1.0 mi
Inspected by ISI

5 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Mill Green House Church Street
-
£2.45M
-
River Cottage Church Street
-
£615k
-
Sunbeam Cottage Church Street
-
£350k
-
Rilli House Church Street
-
£860k
-

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