Fairdene Cottage, Hogscross Lane, Chipstead, Coulsdon, CR5 3SJ

UPRN:68106101Semi-Detached House4 bedsBuilt 1983-1990

FreeholdCouncil Tax: -EPC: D (65)

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

Fairdene Cottage, Hogscross Lane, Chipstead, Coulsdon, CR5 3SJ

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

£987,000

£889k - £1.09MMedium

Estimate

£987k

Range

£889k – £1.09M

Rent Estimate (pcm)

£4,000

£4k - £4k

Monthly

£4,000

Yield

6.19%

Verdict

Derived from HomePortfolio scores

Fairdene Cottage earns an INVESTIGATE rating with HP Score 63/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (11/100). 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

63/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

11/ 100

Low

Transit & Bike

Transit 25Bike 20

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£775,000

At the asking price

Monthly rent£4,000/mo

Evidenced range £3,600-£4,350

Interest rate5.4%

Loan to value75%

Cash required: £262,550
Net cash flow: £154/mo
Cash on cash: 0.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.53 - 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£987,000

Rent Estimate (pcm)£4,000

Gross Yield6.19%

1y Growth-

3y Growth+1.2%

5y Growth+2.8%

10y Growth+2.1%

Last Sold Price£800,000 (2020-11-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

6CR5 3SJ

Approval Rate

100%12mo

Development

low

26/01694/HHOLD
Single-storey front and rear extensions and internal alterations. Removal of existing front porch and conservatory.
Pending
26/01242/F
Erection of a single-storey timber storage shed / outbuilding to replace a previous shed destroyed by a fallen tree. As amended on 22/10/2026.
Pending
26/01459/HHOLD
Proposed first floor rear extension, loft extension with rear dormer, increasing the ridge height by 770mm.
Pending

View Planning Timeline

Ownership

Corporate Ownership63.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-11-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,014

Population Density194 /km²

Owner Occupied90%

Age Distribution

0-15 16%16-64 61%65+ 23%

View Area Profile

Schools Nearby

Serenity School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Chipstead Valley Primary School
1.9 mi
Outstanding
Royal Alexandra and Albert School
1.9 mi
Good
Merstham Primary School
2.0 mi
Good

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

View All Schools

Comparables

View All

Brandywine Hogscross Lane
-
£2.30M
-
Pirbright Manor Farmhouse Hogscross Lane
-
£1.00M
-
Garden House Hogscross Lane
-
£950k
-
Parkside Hogscross Lane
-
£700k
-

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