Orchard Cottage, Rectory Road, Chipstead, Coulsdon, CR5 3SY

UPRN:68150424Detached Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band GEPC: F (37)

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

Orchard Cottage, Rectory Road, Chipstead, Coulsdon, CR5 3SY

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£995,000

£945k - £1.04MHigh

Estimate

£995k

Range

£945k – £1.04M

Rent Estimate (pcm)

£4,650

£4k - £5k

Monthly

£4,650

Yield

5.58%

Verdict

Derived from HomePortfolio scores

Orchard Cottage earns an INVESTIGATE rating with HP Score 60/100. Investment score 51/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (6/100). 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 company ownershipHM Land Registry covenantsPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

6/ 100

Low

Transit & Bike

Transit 25Bike 37

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£1,000,000

At the asking price

Monthly rent£4,650/mo

Evidenced range £4,250-£5,050

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£156/mo
Cash on cash: -0.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.38 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£995,000

Rent Estimate (pcm)£4,650

Gross Yield5.58%

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
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CR5 3SY

Approval Rate

-12mo

Development

low

22/02473/DET03
Submission of material details pursuant to condition 3 of permission 22/02473/F. Erection of 1 no. dwelling following demolition of existing non-agricultural buildings; revised application further to 22/01959/F. As amended on 12/10/2026
Approved
22/02473/DET04
Submission of Tree Protection Plan details pursuant to condition 4 of permission 22/02473/F. Erection of 1 no. dwelling following demolition of existing non-agricultural buildings; revised application further to 22/01959/F.
Pending
26/01337/LBC
Retrospective planning application for kitchen extension built over ten years ago. New landscaping to kitchen extension edge. As amended on 08/10/2026
Conditions

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)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£40,014

Population Density194 /km²

Owner Occupied90%

Age Distribution

0-15 16%16-64 61%65+ 23%

View Area Profile

Schools Nearby

Kingswood Primary School
1.1 mi
Inspected as Kingswood Primary School (URN 124937) on 1 Dec 2021
Royal Alexandra and Albert School
1.5 mi
Good
Tadworth Primary School
1.7 mi
Inspected as Tadworth Primary School (URN 125296) on 20 Mar 2024
The Surrey Teaching Centre
1.8 mi
OutstandingConcerns

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

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Comparables

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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