10 Otium Lake, Station Road, Pluckley, Ashford, TN27 0DZ

UPRN:10012878243Detached House6 bedsBuilt 2024

FreeholdCouncil Tax: Band GEPC: B (86)

Data freshness:Price Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

10 Otium Lake, Station Road, Pluckley, Ashford, TN27 0DZ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£720,000

£576k - £864kLow

Estimate

£720k

Range

£576k – £864k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

1.84%

Verdict

Derived from HomePortfolio scores

10 Otium Lake earns an INVESTIGATE rating with HP Score 61/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (17/100). 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 listingsMarket 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

61/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

17/ 100

Low

Transit & Bike

Transit 6Bike 26

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 1.8%; range width penalty ×0.69
- valuation_snapshotsrent estimate 2150/mo (range 1850-2400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -4,456/mo, -207% 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 28 Oct 2026
Risk & liquidity9.2/15
135 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£1,400,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,850-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £505,050
Net cash flow: -£3,237/mo
Cash on cash: -7.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.46 - 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_snapshotsrent estimate 2150/mo (range 1850-2400)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2150/mo (range 1850-2400)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£720,000

Rent Estimate (pcm)£2,150

Gross Yield1.84%

1y Growth-49.5%

3y Growth-4.0%

5y Growth-1.1%

10y Growth+1.0%

Last Sold Price£1,425,000 (2024-10-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN27 0DZ

Approval Rate

-12mo

Development

low

NOT/2026/0983
Prior notification for an agricultural Storage building
Approved
PA/2025/0651
Erection of a new access track to serve agricultural purposes.
Pending
PA/2025/0619
Proposed erection of a single storey oak frame garage with an attached storage/workshop
Conditions

View Planning Timeline