Stone Lodge, The Street, Ryarsh, West Malling, ME19 5LL

UPRN:10002905092Detached House4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band GEPC: E (45)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Stone Lodge, The Street, Ryarsh, West Malling, ME19 5LL

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£822,000

£781k - £863kHigh

Estimate

£822k

Range

£781k – £863k

Rent Estimate (pcm)

£3,250

£3k - £4k

Monthly

£3,250

Yield

4.73%

Verdict

Derived from HomePortfolio scores

Stone Lodge earns an INVESTIGATE rating with HP Score 68/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (17/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

17/ 100

Low

Transit & Bike

Transit 7Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 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 -0.4% (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 9 Nov 2026
- valuation_snapshotsestimate for 10002905092· as of 9 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.77
- valuation_snapshotsrent estimate 3250/mo (range 2900-3600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,222/mo, -38% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 147 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 5 Nov 2026
Risk & liquidity14.6/15
261 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

£619,000£948,500

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£825,000

At the asking price

Monthly rent£3,250/mo

Evidenced range £2,900-£3,600

Interest rate5.4%

Loan to value75%

Cash required: £280,050
Net cash flow: -£534/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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 10002905092Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3250/mo (range 2900-3600)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 3250/mo (range 2900-3600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 147 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£822,000

Rent Estimate (pcm)£3,250

Gross Yield4.73%

1y Growth-

3y Growth-1.2%

5y Growth+1.1%

10y Growth+2.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ME19 5LL

Approval Rate

-12mo

Development

low

26/01615/TNCA
1 x Silver Birch (applicants ref. T1) - Reduce height to 9m and radial spread to 3m. 1 x Pine (applicants ref. T2) - Reduce the overly extended lateral on the eastern side of the canopy by 2 meters to the existing canopy profile. Mixed species hedge (applicants ref. H1) - Fell. Lilac hedge (applicants ref. H2) - Reduce height to 3m from ground level.
Approved
26/01302/FL
Conversion of the existing barn into a three bedroom residential family dwelling (self-build) together with associated car parking with electric charging point ,cycle provision and bin storage facilities
Rejected
26/01116/FL
Demolition of existing detached garage and construction of a replacement detached garage with external staircase and office in roofspace
Rejected

View Planning Timeline

Ownership

Corporate Ownership72%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density122 /km²

Owner Occupied76%

Age Distribution

0-15 21%16-64 58%65+ 21%

View Area Profile

Schools Nearby

Ryarsh Primary School
0.2 mi
Good
The Rosewood School
0.7 mi
Good
Valley Invicta Primary School At Leybourne Chase
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
West Malling Church of England Primary School and McGinty Speech and Language Srp
1.4 mi
Good

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Stoned Lodge The Street
-
£785k
-
Forge Cottage The Street
-
£400k
-
Forge Cottage The Street
-
£235k
-
Rose Cottage The Street
-
£210k
-

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