1 Lavinia Cottages, Ashmore Green, Thatcham, RG18 9EX

UPRN:200004736604Semi-Detached House1 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (61)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

1 Lavinia Cottages, Ashmore Green, Thatcham, RG18 9EX

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£274,000

£260k - £288kHigh

Estimate

£274k

Range

£260k – £288k

Rent Estimate (pcm)

£1,000

£900 - £1k

Monthly

£1,000

Yield

4.36%

Verdict

Derived from HomePortfolio scores

1 Lavinia Cottages earns an INVESTIGATE rating with HP Score 67/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (8/100). 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

67/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

8/ 100

Low

Transit & Bike

Transit 3Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 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 -0.4% (HIGH), sold-comps -0.4%, £/sqft -0.5%] → 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 9 Nov 2026
- valuation_snapshotsestimate for 200004736604· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.9%· as of 10 Nov 2026
Rental economics0/40
gross yield 4.4%; range width penalty ×0.80
- valuation_snapshotsrent estimate 1000/mo (range 900-1100)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -555/mo, -56% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 141 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 12 Nov 2026
Risk & liquidity14.6/15
186 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

£206,000£316,000

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£275,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £900-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £87,550
Net cash flow: -£236/mo
Cash on cash: -3.2%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.08 - 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 200004736604Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.9%Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1000/mo (range 900-1100)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 1000/mo (range 900-1100)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 141 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.
1 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£274,000

Rent Estimate (pcm)£1,000

Gross Yield4.36%

1y Growth+22.0%

3y Growth-0.0%

5y Growth+0.7%

10y Growth+1.6%

Last Sold Price£255,000 (2023-08-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RG18 9EX

Approval Rate

-12mo

Development

low

26/02423/5DAY
Cedar: dismantle dead tree
Pending
26/02279/TPW
T1 Scots Pine - Dead, dying and dangerous, nearest the fence, dismantle and fell to ground level, chip and removal all arisings. Leave stump approx 6" from ground level. T2 Spruce - central of the 3 trees, dismantle and fell to ground level, chip and removal all arisings. Leave stump approx 6" from ground level. T3 Scots Pine - tree to the right of the Spruce dismantle and fell to ground level, chip and removal all arisings. Leave stump approx 6" from ground level.
Pending
26/02241/TPW
T1 - Wild Cherry: Fell to ground level Reason: T1 is a mature tree growing to the rear of the property. The trees two trunks lean towards the rear elevation of the property. Fungal fruiting bodies of Laetiporus sulphureus (Chicken of the Woods) are present at the base of the tree. The presence of decay at the base of the tree and the lean of the trunk towards the residential property means that T1 (Cherry) poses an unacceptable risk to property and can no longer be safely retained in this location.
Pending

View Planning Timeline

Ownership

Corporate Ownership77.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-08-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£38,513

Population Density332 /km²

Owner Occupied78%

Age Distribution

0-15 25%16-64 59%65+ 16%

View Area Profile

Schools Nearby

Cold Ash St Mark's CE Primary School
0.5 mi
Good
St Finian's Catholic Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Downe House
0.9 mi
Inspected by ISI
Whitelands Park Primary School
1.1 mi
GoodConcerns

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

View All Schools

Comparables

View All

Lavinia Cottages
-
£255k
-
Green Cottage
-
£500k
-
Lavinia Cottages
-
£345k
-
Green Cottage
-
£222k
-

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