The core English word stock consists of no more than 7,000 words, and all fluent adult readers end up being able to read them as sight words, but only 2,039 of them contain spellings with more than one sound. I shan't paste them all in, just the 108 among the 300 most used English words.
In the first 100 most HF words, 40 are not entirely decodable:
the - he, be, we, me, she,
was, want, all, call, said,
of, to, one, come, do, down, into, look, now,
only, other, some, two,
could, you, your,
when, what, where, which, who, why,
there, were,
right, are, have, before, more.
In next 200, 55 are clearly tricky:
another, any, many, saw, water, small, laughed,
bear, great, head, ready,
ever, never, every, eyes,
find, friends, giant, I?ll, I?m, key, live, river,
people, pulled, put, thought, through, were, work, would,
coming, everyone, gone,
most, mother, oh, once,
grow, how, know, snow, town, window,
book, food, good, room, school, soon, too, took, door,
Mr Mrs
Another 13 are slightly so (partly depending on accent):
after, asked, can?t, fast, last, plants
animals, dragon, magic,
clothes, cold, old, told