16 Hamble Road, Tonbridge, TN10 3JL

UPRN:100061172002Flat/MaisonetteBeds -Built 1967-1975

Tenure: -Council Tax: Band BEPC: D (55)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£232,000

£209k - £255kMedium

Estimate

£232k

Range

£209k – £255k

Rent Estimate (pcm)

£900

£850 - £1k

Monthly

£900

Yield

4.41%

Verdict

Derived from HomePortfolio scores

16 Hamble Road earns an INVESTIGATE rating with HP Score 63/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (48/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

32/ 100

Moderate

Walkability

48/ 100

Mixed

Transit & Bike

Transit 17Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 31 Oct 2026

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

Valuation edge0/15
claims [AVM -5.6% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100061172002· as of 9 Oct 2026
Rental economics0/40
gross yield 4.4%; range width penalty ×0.87
- valuation_snapshotsrent estimate 900/mo (range 850-1000)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -502/mo, -56% 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 31 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 285 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 31 Oct 2026
Risk & liquidity12.9/15
112 sales/12mo in area; valuation range width 20%
- 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

£184,000£282,000

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£245,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £77,200
Net cash flow: -£204/mo
Cash on cash: -3.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.09 - 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 100061172002Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-1000)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 31 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 31 Oct 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 900/mo (range 850-1000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 285 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£232,000

Rent Estimate (pcm)£900

Gross Yield4.41%

1y Growth-

3y Growth-1.1%

5y Growth+1.4%

10y Growth+2.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN10 3JL

Approval Rate

-12mo

Development

low

26/01964/NMA
Non-Material Amendment to planning permission TM/24/01827/PA (single storey rear extension and other external alterations) Increasing the depth of the proposed extension by 600mm
Pending
26/01940/TNCA
Lime Tree (T1) Whole crown reduction to 8m above ground level, reducing height and lateral spread proportionately, with all cuts made to suitable growth points in accordance with BS 3998:2010.
Pending
26/01841/TNCA
1 x Sycamore (applicants ref. T1 standing at 3 Yardley Park Road) - Remove 3 x branches within the mid canopy back to secondary stems by 4m, Reduce low right hand limb by 2m, Reduce the lower limb by 1.5m back to the remaining canopy, Left hand lowest section - reduce 3 x limbs over the neighbouring property back by 2m to sufficient growth points, Reduce 3 x stems over the beech hedge by 1.5m to keep shape as specified. 1 x Beech (applicants ref. T3 standing at Chiltern Way) - Trim over extended branches over the beech hedge by 1m back to boundary and trim left hand side by 1m to balance shape as specified. 1 x Sycamore (applicants ref. T6 standing at 1, 1a and 1b Yardley Park Road) - Prune back by up to 2m back to boundary line. 1 x Yew (applicants ref. T7 standing at 3 Yardley Park Road) - Trim hard all round by approx 0.2m leaving an aesthetically pleasing shape
Pending

View Planning Timeline

Ownership

Corporate Ownership78.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density-

Owner Occupied33%

Age Distribution

0-15 26%16-64 58%65+ 16%

View Area Profile

Schools Nearby

Long Mead Community Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Margaret Clitherow Catholic Primary School
0.4 mi
Good
YMCA West Kent
0.4 mi
-
Leigh Academy Hugh Christie
0.5 mi
Inspected as Hugh Christie School (URN 118903) on 11 Oct 2023

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

View All Schools

Comparables

View All

14 Hamble Road
-
£195k
-
18 Hamble Road
-
£167k
-
33 Hamble Road
-
£139k
-
18 Hamble Road
-
£117k
-

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