4 Cartersmead Close, Horley, RH6 9LG

UPRN:68138850Detached House3 bedsBuilt 1983-1990

FreeholdCouncil Tax: -EPC: D (64)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£498,000

£473k - £523kHigh

Estimate

£498k

Range

£473k – £523k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

5.18%

Verdict

Derived from HomePortfolio scores

4 Cartersmead Close earns an INVESTIGATE rating with HP Score 74/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (54/100). 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

74/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

54/ 100

Moderate

Transit & Bike

Transit 20Bike 54

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 31 Oct 2026

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

Valuation edge0/15
claims [AVM +4.6% (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 10 Oct 2026
- valuation_snapshotsestimate for 68138850· as of 10 Oct 2026
Rental economics1.2/40
gross yield 5.2%; range width penalty ×0.86
- valuation_snapshotsrent estimate 2050/mo (range 1850-2200)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -627/mo, -31% 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 31 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 127 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 31 Oct 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

£356,000£546,000

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£475,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,850-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: -£184/mo
Cash on cash: -1.4%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 68138850Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 2050/mo (range 1850-2200)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 31 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 31 Oct 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 2050/mo (range 1850-2200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 127 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£498,000

Rent Estimate (pcm)£2,050

Gross Yield5.18%

1y Growth-

3y Growth+0.2%

5y Growth+0.9%

10y Growth+2.2%

Last Sold Price£112,500 (1997-08-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0RH6 9LG

Approval Rate

-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 Change1997-08-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,014

Population Density-

Owner Occupied70%

Age Distribution

0-15 23%16-64 66%65+ 11%

View Area Profile

Schools Nearby

Yattendon School
0.3 mi
Inspected as Yattendon School (URN 125289) on 23 Mar 2022
Horley Infant School
0.5 mi
Inspected as Horley Infant School (URN 124981) on 23 May 2018
Trinity Oaks Church of England Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Meath Green Infant School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

15 Cartersmead Close
-
£350k
-
6 Cartersmead Close
-
£475k
-
9 Cartersmead Close
-
£512k
-
1 Cartersmead Close
-
£435k
-

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