48 Lackford Road, Chipstead, Coulsdon, CR5 3TA

UPRN:68111180Semi-Detached House4 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band FEPC: C (70)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

48 Lackford Road, Chipstead, Coulsdon, CR5 3TA

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£721,000

£649k - £793kMedium

Estimate

£721k

Range

£649k – £793k

Rent Estimate (pcm)

£2,900

£3k - £3k

Monthly

£2,900

Yield

4.70%

Verdict

Derived from HomePortfolio scores

48 Lackford Road earns an INVESTIGATE rating with HP Score 67/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (15/100). 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

15/ 100

Low

Transit & Bike

Transit 9Bike 26

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 -2.6% (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 10 Oct 2026
- valuation_snapshotsestimate for 68111180· as of 10 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.86
- valuation_snapshotsrent estimate 2900/mo (range 2650-3150)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,120/mo, -39% 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), 136 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
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

£555,000£851,000

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£740,000

At the asking price

Monthly rent£2,900/mo

Evidenced range £2,650-£3,150

Interest rate5.4%

Loan to value75%

Cash required: £250,300
Net cash flow: -£490/mo
Cash on cash: -2.3%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.16 - 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 68111180Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 2900/mo (range 2650-3150)Rental economics · as of 10 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 2900/mo (range 2650-3150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 136 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£721,000

Rent Estimate (pcm)£2,900

Gross Yield4.70%

1y Growth+63.7%

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
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1CR5 3TA

Approval Rate

-12mo

Development

low

26/01593/HHOLD
Single storey rear extension and patio/garden reformation with a dropped kerb.
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
26/00953/DET04
Submission of tree protection plan and arboricultural method statement details pursuant to condition 4 of permission 26/00953/HHOLD. Two storey rear extension, single storey side extension, relocation of front entrance, alterations to fenestration and an outside kitchen.
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)

23 Mbps

Mobile 4G/5G Coverage

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

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

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

View All Schools

Comparables

View All

44 Lackford Road
-
£705k
-
34 Lackford Road
-
£795k
-
56 Lackford Road
-
£1.37M
-
2 Lackford Road
-
£525k
-

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