Arncliffe, 38 Massetts Road, Horley, RH6 7DS

UPRN:68122112Detached House6 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band GEPC: D (65)

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

Arncliffe, 38 Massetts Road, Horley, RH6 7DS

HP Score

/ 100

Strong

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£1,094,000

£1.04M - £1.15MHigh

Estimate

£1.09M

Range

£1.04M – £1.15M

Rent Estimate (pcm)

£4,450

£4k - £5k

Monthly

£4,450

Yield

4.85%

Verdict

Derived from HomePortfolio scores

Arncliffe earns an INVESTIGATE rating with HP Score 76/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (77/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

29/ 100

Moderate

Walkability

77/ 100

High

Transit & Bike

Transit 33Bike 59

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 -0.5% (HIGH)] → 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 13 Oct 2026
- valuation_snapshotsestimate for 68122112· as of 13 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.80
- valuation_snapshotsrent estimate 4450/mo (range 4000-4900)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,500/mo, -34% 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), 109 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 & liquidity14.6/15
386 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

£825,000£1,265,000

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£1,100,000

At the asking price

Monthly rent£4,450/mo

Evidenced range £4,000-£4,900

Interest rate5.4%

Loan to value75%

Cash required: £385,050
Net cash flow: -£632/mo
Cash on cash: -2.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - 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 68122112Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 4450/mo (range 4000-4900)Rental economics · as of 13 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 4450/mo (range 4000-4900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 109 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£1,094,000

Rent Estimate (pcm)£4,450

Gross Yield4.85%

1y Growth-

3y Growth+0.2%

5y Growth+0.9%

10y Growth+2.2%

Last Sold Price£960,000 (2022-07-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1RH6 7DS

Approval Rate

100%12mo

Development

low

26/01714/PDE
Single storey rear extension. Max height 2.50m, height at eaves 2.50m and 4.00m extending beyond the rear wall.
Pending
26/01463/F
Relocation and replacement of the existing storage shed within the grounds of Horley Bowling Club comprising the installation of two new timber storage sheds and associated bases. As amended on 27/10/2026
Pending
26/00553/NMAMD1
Non material amendment. Remove the parapet wall and reduce the height and width of the extension from 3.378.m high to 2.992m and from 6.055m wide to 5.625m.
Pending

View Planning Timeline

Ownership

Corporate Ownership58.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-07-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,014

Population Density3,512 /km²

Owner Occupied66%

Age Distribution

0-15 15%16-64 55%65+ 30%

View Area Profile

Schools Nearby

Manorfield Primary and Nursery School
0.3 mi
Good
Horley Infant School
0.3 mi
Inspected as Horley Infant School (URN 124981) on 23 May 2018
Yattendon School
0.5 mi
Inspected as Yattendon School (URN 125289) on 23 Mar 2022
Oakwood School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

60 Massetts Road
-
£916k
-
34 Massetts Road
-
£880k
-
Mayfield Court Massetts Road
-
£1.93M
-
38 Massetts Road
-
£960k
-

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