4 Temple Mews, Stour Street, Canterbury, CT1 2PQ

UPRN:100062052308Mid Terrace House4 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band FEPC: C (69)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

4 Temple Mews, Stour Street, Canterbury, CT1 2PQ

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£393,000

£374k - £413kHigh

Estimate

£393k

Range

£374k – £413k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

2.27%

Verdict

Derived from HomePortfolio scores

4 Temple Mews earns an INVESTIGATE rating with HP Score 62/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (97/100). 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)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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

63/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 37Bike 73

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -141.7% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100062052308· as of 9 Oct 2026
Rental economics0/40
gross yield 2.3%; range width penalty ×0.92
- valuation_snapshotsrent estimate 1800/mo (range 1650-1900)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,815/mo, -156% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 239 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 3 Nov 2026
Risk & liquidity14.7/15
303 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

£712,500£1,092,500

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£950,000

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,650-£1,900

Interest rate5.4%

Loan to value75%

Cash required: £325,050
Net cash flow: -£1,960/mo
Cash on cash: -7.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.56 - 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 100062052308Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1800/mo (range 1650-1900)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 1800/mo (range 1650-1900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 239 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£393,000

Rent Estimate (pcm)£1,800

Gross Yield2.27%

1y Growth-

3y Growth+0.7%

5y Growth-0.6%

10y Growth+1.4%

Last Sold Price£340,000 (2026-06-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0CT1 2PQ

Approval Rate

-12mo

Development

low

CA/26/01820
T1-T3-Cypress trees, reduce trees from 9 metres to 6 metres within the communal grounds. T4-Portugal Laurel, thin the crown by approximately 15-20% within the communal grounds.
Pending
CA/26/01816
Application for Listed Building Consent for internal alterations including replacement and repair of internal doors in basement and ground floor.
Pending
CA/26/01804
T1) - Holly tree located in the front garden. To reduce the tree down to its previous cutting points and re-shape all round , lift the low growth all round up to approximately 6ft 6".
Pending

View Planning Timeline