diff --git a/src/EFCore/Infrastructure/ModelValidator.cs b/src/EFCore/Infrastructure/ModelValidator.cs
index a61e3593523..1329ff21646 100644
--- a/src/EFCore/Infrastructure/ModelValidator.cs
+++ b/src/EFCore/Infrastructure/ModelValidator.cs
@@ -99,7 +99,6 @@ protected virtual void ValidateEntityType(
         ValidateInheritanceMapping(entityType, logger);
         ValidateFieldMapping(entityType, logger);
         ValidateQueryFilters(entityType, logger);
-        ValidateConstructorBindingAutoLoaded(entityType);
 
         foreach (var property in entityType.GetDeclaredProperties())
         {
@@ -139,30 +138,6 @@ protected virtual void ValidateEntityType(
         LogShadowProperties(entityType, logger);
     }
 
-    /// <summary>
-    ///     Validates that no constructor-bound property is configured as not auto-loaded.
-    /// </summary>
-    /// <param name="structuralType">The structural type to validate.</param>
-    protected virtual void ValidateConstructorBindingAutoLoaded(ITypeBase structuralType)
-    {
-        if (structuralType.ConstructorBinding is null)
-        {
-            return;
-        }
-
-        var typeName = structuralType.DisplayName();
-
-        foreach (var consumedProperty in structuralType.ConstructorBinding.ParameterBindings
-                     .SelectMany(p => p.ConsumedProperties))
-        {
-            if (consumedProperty is IProperty { IsAutoLoaded: false } property)
-            {
-                throw new InvalidOperationException(
-                    CoreStrings.AutoLoadedConstructorProperty(property.Name, typeName));
-            }
-        }
-    }
-
     /// <summary>
     ///     Validates inheritance mapping for an entity type.
     /// </summary>
@@ -196,7 +171,8 @@ protected virtual void ValidateProperty(
     }
 
     /// <summary>
-    ///     Validates that a property configured as not auto-loaded is not a key, foreign key, concurrency token or discriminator.
+    ///     Validates that a property configured as not auto-loaded is not a key, foreign key, concurrency token, discriminator,
+    ///     or consumed by a constructor binding.
     /// </summary>
     /// <param name="property">The property to validate.</param>
     /// <param name="structuralType">The structural type containing the property.</param>
@@ -237,6 +213,18 @@ protected virtual void ValidateAutoLoaded(
             throw new InvalidOperationException(
                 CoreStrings.AutoLoadedDiscriminatorProperty(property.Name, typeName));
         }
+
+        foreach (var derivedType in structuralType.GetDerivedTypesInclusive())
+        {
+            if (derivedType.ConstructorBinding is not null
+                && derivedType.ConstructorBinding.ParameterBindings
+                    .SelectMany(p => p.ConsumedProperties)
+                    .Contains(property))
+            {
+                throw new InvalidOperationException(
+                    CoreStrings.AutoLoadedConstructorProperty(property.Name, derivedType.DisplayName()));
+            }
+        }
     }
 
     /// <summary>
@@ -251,7 +239,6 @@ protected virtual void ValidateComplexProperty(
         var complexType = complexProperty.ComplexType;
 
         ValidateChangeTrackingStrategy(complexType, logger);
-        ValidateConstructorBindingAutoLoaded(complexType);
 
         foreach (var property in complexType.GetDeclaredProperties())
         {
diff --git a/src/EFCore/Query/Internal/StructuralTypeMaterializerSource.cs b/src/EFCore/Query/Internal/StructuralTypeMaterializerSource.cs
index 93a6e1b7304..2bbe52d34a4 100644
--- a/src/EFCore/Query/Internal/StructuralTypeMaterializerSource.cs
+++ b/src/EFCore/Query/Internal/StructuralTypeMaterializerSource.cs
@@ -75,7 +75,7 @@ public Expression CreateMaterializeExpression(
         bindingInfo.ServiceInstances.Add(instanceVariable);
 
         var properties = new HashSet<IPropertyBase>(
-            structuralType.GetProperties().Cast<IPropertyBase>().Where(p => !p.IsShadowProperty() && p is not IProperty { IsAutoLoaded: false })
+            structuralType.GetProperties().Where(p => !p.IsShadowProperty() && p.IsAutoLoaded).Cast<IPropertyBase>()
                 .Concat(structuralType.GetComplexProperties().Where(p => !p.IsShadowProperty())));
 
         var blockExpressions = new List<Expression>();
diff --git a/test/EFCore.Tests/Infrastructure/ModelValidatorTest.cs b/test/EFCore.Tests/Infrastructure/ModelValidatorTest.cs
index f91c1a1297d..15de51f6f04 100644
--- a/test/EFCore.Tests/Infrastructure/ModelValidatorTest.cs
+++ b/test/EFCore.Tests/Infrastructure/ModelValidatorTest.cs
@@ -2392,6 +2392,27 @@ public virtual void Detects_constructor_bound_property_not_auto_loaded()
             modelBuilder);
     }
 
+    [ConditionalFact]
+    public virtual void Detects_derived_constructor_bound_property_not_auto_loaded()
+    {
+        var modelBuilder = CreateConventionModelBuilder();
+        modelBuilder.Entity<AutoLoadBaseEntity>(
+            eb =>
+            {
+                eb.Property(e => e.Id);
+                eb.Property(e => e.Name);
+            });
+        modelBuilder.Entity<AutoLoadDerivedEntityWithConstructor>();
+
+        var model = modelBuilder.Model;
+        var property = model.FindEntityType(typeof(AutoLoadBaseEntity))!.FindProperty(nameof(AutoLoadBaseEntity.Name))!;
+        property.IsAutoLoaded = false;
+
+        VerifyError(
+            CoreStrings.AutoLoadedConstructorProperty(nameof(AutoLoadBaseEntity.Name), nameof(AutoLoadDerivedEntityWithConstructor)),
+            modelBuilder);
+    }
+
     protected class AutoLoadEntity
     {
         public int Id { get; set; }
@@ -2420,4 +2441,18 @@ protected class AutoLoadDependent
         public int Id { get; set; }
         public int PrincipalId { get; set; }
     }
+
+    protected class AutoLoadBaseEntity
+    {
+        public int Id { get; set; }
+        public string Name { get; set; } = null!;
+    }
+
+    protected class AutoLoadDerivedEntityWithConstructor : AutoLoadBaseEntity
+    {
+        public AutoLoadDerivedEntityWithConstructor(string name)
+        {
+            Name = name;
+        }
+    }
 }