3 Old Rectory Close, Mersham, Ashford, TN25 6LZ

UPRN:10012843117Detached House5 bedsBuilt 1996-2002

FreeholdCouncil Tax: -EPC: D (60)

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

3 Old Rectory Close, Mersham, Ashford, TN25 6LZ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£742,000

£705k - £779kHigh

Estimate

£742k

Range

£705k – £779k

Rent Estimate (pcm)

£2,900

£3k - £3k

Monthly

£2,900

Yield

4.64%

Verdict

Derived from HomePortfolio scores

3 Old Rectory Close earns an INVESTIGATE rating with HP Score 63/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (24/100). 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

63/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

24/ 100

Low

Transit & Bike

Transit 5Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -1.1% (HIGH), sold-comps -0.7%, £/sqft -0.7%] → 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 10012843117· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 14.7%· as of 4 Nov 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.82
- valuation_snapshotsrent estimate 2900/mo (range 2600-3150)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,163/mo, -40% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 425 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 6 Nov 2026
Risk & liquidity14.6/15
225 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

£562,500£862,500

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£750,000

At the asking price

Monthly rent£2,900/mo

Evidenced range £2,600-£3,150

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: -£524/mo
Cash on cash: -2.5%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.15 - 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 10012843117Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 14.7%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 2900/mo (range 2600-3150)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 2900/mo (range 2600-3150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 425 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£742,000

Rent Estimate (pcm)£2,900

Gross Yield4.64%

1y Growth-

3y Growth+2.5%

5y Growth+3.0%

10y Growth+3.7%

Last Sold Price£240,000 (1999-09-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN25 6LZ

Approval Rate

-12mo

Development

low

PA/2026/1843
Change of use of existing annexe into a separate dwelling with associated parking and garden.
Pending
PA/2026/1681
Construction of new detached dwelling.
Pending
NOT/2026/1573
Prior approval for a rear single-storey larger home extension with a depth of 8 metres, an eaves height of 2.7 metres and an overall height of 4 metres. Following the demolition of the existing conservatory.
Approved

View Planning Timeline

Ownership

Corporate Ownership69%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-09-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,991

Population Density-

Owner Occupied81%

Age Distribution

0-15 20%16-64 62%65+ 18%

View Area Profile

Schools Nearby

Mersham Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Caldecott Foundation School
1.0 mi
Good
Smeeth Community Primary School
1.6 mi
Good
Willesborough Infant School
1.6 mi
Good

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Old Rectory Close
-
£695k
-
1 Old Rectory Close
-
£650k
-
2 Old Rectory Close
-
£435k
-
5 Old Rectory Close
-
£395k
-

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