2 Vestry Cottages, Old Otford Road, Sevenoaks, TN14 5EH

UPRN:100062075676Terrace Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: D (65)

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

2 Vestry Cottages, Old Otford Road, Sevenoaks, TN14 5EH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£493,000

£468k - £518kHigh

Estimate

£493k

Range

£468k – £518k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

4.85%

Verdict

Derived from HomePortfolio scores

2 Vestry Cottages earns an INVESTIGATE rating with HP Score 70/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (43/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

43/ 100

Mixed

Transit & Bike

Transit 6Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 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 100062075676· as of 9 Nov 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.85
- valuation_snapshotsrent estimate 2000/mo (range 1850-2200)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -748/mo, -37% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 162 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 11 Nov 2026
Risk & liquidity14.6/15
158 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

£371,000£569,000

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£495,000

At the asking price

Monthly rent£2,000/mo

Evidenced range £1,850-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £164,550
Net cash flow: -£286/mo
Cash on cash: -2.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - 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 100062075676Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2000/mo (range 1850-2200)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 2000/mo (range 1850-2200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 162 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£493,000

Rent Estimate (pcm)£2,000

Gross Yield4.85%

1y Growth-

3y Growth+10.5%

5y Growth+4.3%

10y Growth+4.3%

Last Sold Price£270,000 (2012-02-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN14 5EH

Approval Rate

-12mo

Development

low

26/02377/RG10
EIA Scoping Opinion
Approved
26/02326/CONVAR
Variation of condition 10 (lighting plan) of 24/03008/FUL (Demolition of 4 No. turkey rearing units with agricultural storage building. Erection of 4 No. turkey rearing units with extraction fan stacks, 5 Feed Silos and Solar Panels. Replacement ancillary farm office/workshop building.) with amendment to wording of condition
Pending
26/01846/DETAIL
Details pursuant to condition 6 (Biodiversity Gain Plan and Biodiversity Management and Monitoring Plan) of 24/03008/FUL
Pending

View Planning Timeline