348 Nine Mile Ride, Finchampstead, Wokingham, RG40 3NJ

UPRN:14047675Detached House4 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band GEPC: E (45)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

348 Nine Mile Ride, Finchampstead, Wokingham, RG40 3NJ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£1,168,000

£1.05M - £1.28MMedium

Estimate

£1.17M

Range

£1.05M – £1.28M

Rent Estimate (pcm)

£4,700

£4k - £5k

Monthly

£4,700

Yield

4.51%

Verdict

Derived from HomePortfolio scores

348 Nine Mile Ride earns an INVESTIGATE rating with HP Score 72/100. Investment score 47/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (54/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

47/ 100

Mixed

Crime Score

5/ 100

Low

Walkability

54/ 100

Moderate

Transit & Bike

Transit 5Bike 35

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 -7.0% (MEDIUM), sold-comps -21.7%, £/sqft -21.7%] → 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 14047675· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.7%· as of 31 Oct 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.80
- valuation_snapshotsrent estimate 4700/mo (range 4250-5200)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,949/mo, -41% 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), 42 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

£937,500£1,437,500

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£1,250,000

At the asking price

Monthly rent£4,700/mo

Evidenced range £4,250-£5,200

Interest rate5.4%

Loan to value75%

Cash required: £445,050
Net cash flow: -£965/mo
Cash on cash: -2.6%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - 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 14047675Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.7%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 4700/mo (range 4250-5200)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 4700/mo (range 4250-5200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 42 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£1,168,000

Rent Estimate (pcm)£4,700

Gross Yield4.51%

1y Growth-

3y Growth-1.6%

5y Growth+1.0%

10y Growth+0.8%

Last Sold Price£265,000 (1997-04-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RG40 3NJ

Approval Rate

-12mo

Development

low

262519
Application for submission of details to comply with the following condition of planning consent 261844 dated 15/10/26. Condition 4 relates to landscaping.
Pending
262385
APPLICATION FOR WORKS TO PROTECTED TREE(S) TPO-1865-2022 t3 (Oak) Felling of Tree.
Pending
262365
Householder application for the proposed erection of a first floor side extension and an enlarged porch.
Pending

View Planning Timeline

Ownership

Corporate Ownership55.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1997-04-23
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 Density705 /km²

Owner Occupied92%

Age Distribution

0-15 17%16-64 59%65+ 24%

View Area Profile

Schools Nearby

Saint Sebastians Church of England Primary School and Nursery
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Nine Mile Ride Primary School
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
Gorse Ride Infants' School
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Gorse Ride Junior School
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

348A Nine Mile Ride
-
£690k
-
342A Nine Mile Ride
-
£630k
-
336 Nine Mile Ride
-
£400k
-
342A Nine Mile Ride
-
£455k
-

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