18 Niagara Close, Kings Hill, West Malling, ME19 4HR

UPRN:10002911265Semi-Detached House4 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band FEPC: C (74)

Data freshness:Planning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

18 Niagara Close, Kings Hill, West Malling, ME19 4HR

HP Score

/ 100

Strong

Verdict

6 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£546,000

£519k - £573kHigh

Estimate

£546k

Range

£519k – £573k

Rent Estimate (pcm)

£2,300

£2k - £3k

Monthly

£2,300

Yield

4.60%

Verdict

Derived from HomePortfolio scores

18 Niagara Close earns an INVESTIGATE rating with HP Score 76/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (62/100). 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 NationsMarket 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

76/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

62/ 100

Moderate

Transit & Bike

Transit 9Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 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 -9.9% (HIGH), sold-comps -26.6%, £/sqft -26.5%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 10002911265· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.3%· as of 1 Nov 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.81
- valuation_snapshotsrent estimate 2300/mo (range 2100-2550)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -971/mo, -42% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 34 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 2 Nov 2026
Risk & liquidity14.7/15
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

£450,000£690,000

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£599,995

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,100-£2,550

Interest rate5.4%

Loan to value75%

Cash required: £201,299
Net cash flow: -£433/mo
Cash on cash: -2.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - 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 10002911265Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.3%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2300/mo (range 2100-2550)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 2300/mo (range 2100-2550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 34 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£546,000

Rent Estimate (pcm)£2,300

Gross Yield4.60%

1y Growth-24.9%

3y Growth-1.2%

5y Growth+1.1%

10y Growth+2.1%

Last Sold Price£305,000 (2007-05-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ME19 4HR

Approval Rate

-12mo

Development

low

26/01951/FL
Installation of new pedestrian ramp and steps
Pending
26/01791/LDP
Lawful Development Certificate Proposed: Garage conversion and installation of a new window
Pending
26/01752/LDP
Lawful Development Certificate Proposed: Flat roof dormer extension to rear
Pending

View Planning Timeline

Ownership

Corporate Ownership72%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-05-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density3,172 /km²

Owner Occupied79%

Age Distribution

0-15 24%16-64 63%65+ 13%

View Area Profile

Schools Nearby

Kings Hill School Primary and Nursery
0.1 mi
OutstandingImproving
Valley Invicta Primary School At Kings Hill
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
The Discovery School
0.8 mi
Outstanding
Mereworth Community Primary School
1.6 mi
Good

5 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

14 Niagara Close
-
£458k
-
2 Niagara Close
-
£610k
-
1 Niagara Close
-
£490k
-
14 Niagara Close
-
£427k
-

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