108 Chapel Way, Epsom, KT18 5SY

UPRN:68115793Detached Bungalow3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band EEPC: C (74)

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

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

17 of 21 sources

Sale Estimate

£762,000

£685k - £838kMedium

Estimate

£762k

Range

£685k – £838k

Rent Estimate (pcm)

£2,600

£2k - £3k

Monthly

£2,600

Yield

3.49%

Verdict

Derived from HomePortfolio scores

108 Chapel Way earns an INVESTIGATE rating with HP Score 75/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (53/100). 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)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

75/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

53/ 100

Moderate

Transit & Bike

Transit 18Bike 32

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 edge-0.6/15
claims [AVM -17.5% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 68115793· as of 12 Oct 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.74
- valuation_snapshotsrent estimate 2600/mo (range 2300-2900)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,995/mo, -77% 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), 41 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
166 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

£671,000£1,029,000

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£895,000

At the asking price

Monthly rent£2,600/mo

Evidenced range £2,300-£2,900

Interest rate5.4%

Loan to value75%

Cash required: £304,550
Net cash flow: -£1,221/mo
Cash on cash: -4.8%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.86 - 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 68115793Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 2600/mo (range 2300-2900)Rental economics · as of 12 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 2600/mo (range 2300-2900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 41 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£762,000

Rent Estimate (pcm)£2,600

Gross Yield3.49%

1y Growth-

3y Growth+8.4%

5y Growth+2.2%

10y Growth+4.1%

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

0KT18 5SY

Approval Rate

-12mo

Development

low

26/01621/PDE
Single storey rear extension. Max height 3.55m, height at eaves 2.20m and 3.82m extending beyond the rear wall.
Pending
26/01579/HHOLD
Demolition of existing rear extension and rebuild with additional side extension.
Pending
26/01585/HHOLD
Proposed single storey side and rear extension and demolition of existing side garage.
Pending

View Planning Timeline

Ownership

Corporate Ownership58.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,014

Population Density3,920 /km²

Owner Occupied83%

Age Distribution

0-15 20%16-64 59%65+ 21%

View Area Profile

Schools Nearby

Shawley Community Primary Academy & Nursery
0.2 mi
Good
Epsom Downs Community School & Early Years Centres
0.3 mi
Inspected as Epsom Downs Primary School and Children's Centre (URN 125127) on 5 Dec 2018
Aberdour Preparatory School
0.7 mi
Inspected by ISI
The Beacon School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

110 Chapel Way
-
£750k
-
86 Chapel Way
-
£560k
-
82F Chapel Way
-
£406k
-
102 Chapel Way
-
£701k
-

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