Oak Lodge, 185C Hadlow Road, Tonbridge, TN10 4LP

UPRN:10002918255Detached House4 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band FEPC: C (76)

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

Oak Lodge, 185C Hadlow Road, Tonbridge, TN10 4LP

HP Score

/ 100

Strong

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£833,000

£791k - £875kHigh

Estimate

£833k

Range

£791k – £875k

Rent Estimate (pcm)

£3,200

£3k - £4k

Monthly

£3,200

Yield

5.49%

Verdict

Derived from HomePortfolio scores

Oak Lodge earns an INVESTIGATE rating with HP Score 75/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (50/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

55/ 100

Moderate

Crime Score

3/ 100

Low

Walkability

50/ 100

Moderate

Transit & Bike

Transit 7Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the estimate sits 16% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +16.0% (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 10002918255· as of 9 Nov 2026
Rental economics3.1/40
gross yield 5.5%; range width penalty ×0.79; the estimate this rent rides on sits 16% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3200/mo (range 2850-3500)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 16% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -731/mo, -23% 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), 103 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
112 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

£525,000£805,000

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£700,000

At the asking price

Monthly rent£3,200/mo

Evidenced range £2,850-£3,500

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: -£147/mo
Cash on cash: -0.7%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.35 - clears 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 10002918255Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3200/mo (range 2850-3500)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 16% above the ask on the same snapshot - verify the rent describes this homeRental 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

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 3200/mo (range 2850-3500)
Rental economics needs verification before you rely on it
sale estimate 16% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£833,000

Rent Estimate (pcm)£3,200

Gross Yield5.49%

1y Growth-

3y Growth-1.1%

5y Growth+1.4%

10y Growth+2.4%

Last Sold Price£405,000 (2006-09-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2TN10 4LP

Approval Rate

100%12mo

Development

low

26/01754/TPOC
1 x Horse chestnut in front garden - 30% canopy reduction as routine maintenance - T1 of Tree Preservation Order
Pending
26/01675/FL
Erection of annex ancillary to the main dwelling
Pending
26/01628/FL
Section 73 application to vary Condition 2 (Plans List) of planning permission TM/25/02141/FL (Demolition of conservatory, construction of single storey rear extension and enlargement of rear dormer) to increase the size of the rear dormer
Approved

View Planning Timeline

Ownership

Corporate Ownership78.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-09-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density1,314 /km²

Owner Occupied93%

Age Distribution

0-15 16%16-64 57%65+ 27%

View Area Profile

Schools Nearby

Woodlands Primary School
0.5 mi
Inspected as Woodlands Infant School (URN 118466) on 29 Jan 2014
Cage Green Primary School
0.9 mi
Good
Skills for Independence and Employability Ltd
0.9 mi
-
Leigh Academy Hugh Christie
1.0 mi
Inspected as Hugh Christie School (URN 118903) on 11 Oct 2023

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

189 Hadlow Road
-
£470k
-
199 Hadlow Road
-
£650k
-
187 Hadlow Road
-
£768k
-
199A Hadlow Road
-
£565k
-

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