Willow How, How Lane, Chipstead, Coulsdon, CR5 3LN

UPRN:68107583Detached House5 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPrice Paid· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

Willow How, How Lane, Chipstead, Coulsdon, CR5 3LN

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£1,501,000

£1.35M - £1.65MMedium

Estimate

£1.50M

Range

£1.35M – £1.65M

Rent Estimate (pcm)

£7,000

£6k - £8k

Monthly

£7,000

Yield

5.09%

Verdict

Derived from HomePortfolio scores

Willow How earns an INVESTIGATE rating with HP Score 68/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (18/100). 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 SourcesPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)Defra 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

68/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

18/ 100

Low

Transit & Bike

Transit 3Bike 26

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the advert has 7 bedrooms but the valuation snapshot describes 5 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -9.9% (MEDIUM)] → 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 9 Oct 2026
- valuation_snapshotsestimate for 68107583· as of 9 Oct 2026
Rental economics0.6/40
gross yield 5.1%; range width penalty ×0.87
- valuation_snapshotsrent estimate 7000/mo (range 6450-7600)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,946/mo, -28% 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
no listing-history inputs (first published date, price changes)
Risk & liquidity12.8/15
283 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

£1,237,500£1,897,500

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£1,650,000

At the asking price

Monthly rent£7,000/mo

Evidenced range £6,450-£7,600

Interest rate5.4%

Loan to value75%

Cash required: £608,050
Net cash flow: -£723/mo
Cash on cash: -1.4%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - clears 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 68107583Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 7000/mo (range 6450-7600)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 7000/mo (range 6450-7600)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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£1,501,000

Rent Estimate (pcm)£7,000

Gross Yield5.09%

1y Growth-

3y Growth+1.2%

5y Growth+2.8%

10y Growth+2.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2CR5 3LN

Approval Rate

-12mo

Development

low

26/02941/TRE
T1 - Beech: 1.5m crown reduction T2 - Beech: 1.5m crown reduction T3 - Beech: 1.5m crown reduction T4 - Beech: 1.5m crown reduction (TPO 170)
Pending
26/01635/TPO
T1 - Lime tree, rear garden. Remove 2 branches (6 metre cut) encroaching onto house x1 left hand branch encroaching onto house. Outgrowing surrounding area cause for concern to client.
Pending
26/02802/HSE
Demolition of garage. Erection of single/two storey front/side/rear extensions to include new front porch and integral storeroom. Installation of ASHP and solar panels.
Pending

View Planning Timeline

Ownership

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

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,014

Population Density1,364 /km²

Owner Occupied87%

Age Distribution

0-15 18%16-64 61%65+ 21%

View Area Profile

Schools Nearby

Serenity School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Chipstead Valley Primary School
0.5 mi
Outstanding
St Aidan's Catholic Primary School
1.0 mi
Good
Smitham Primary School
1.1 mi
Good

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

View All Schools

Comparables

View All

Holly Lodge How Lane
-
£2.19M
-
How Hatch How Lane
-
£1.45M
-
The Studio How Lane
-
£1.22M
-
Oak Lodge How Lane
-
£2.27M
-

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