3 Bower Farm, Bower Road, Mersham, Ashford, TN25 6NW

UPRN:10012879624Semi-Detached House4 bedsBuilt 2023

FreeholdCouncil Tax: Band GEPC: B (87)

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

3 Bower Farm, Bower Road, Mersham, Ashford, TN25 6NW

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

£841,000

£673k - £1.01MLow

Estimate

£841k

Range

£673k – £1.01M

Rent Estimate (pcm)

£3,350

£3k - £4k

Monthly

£3,350

Yield

4.73%

Verdict

Derived from HomePortfolio scores

3 Bower Farm earns an INVESTIGATE rating with HP Score 65/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (20/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

20/ 100

Low

Transit & Bike

Transit 2Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 5 Nov 2026

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

Valuation edge2.5/15
claims [sold-comps +10.1%, £/sqft +10.0%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 19.7%· as of 24 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.78
- valuation_snapshotsrent estimate 3350/mo (range 3000-3700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,254/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 5 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 219 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 5 Nov 2026
Risk & liquidity9.2/15
225 sales/12mo in area; valuation range width 40%
- 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

£637,500£977,500

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£850,000

At the asking price

Monthly rent£3,350/mo

Evidenced range £3,000-£3,700

Interest rate5.4%

Loan to value75%

Cash required: £288,800
Net cash flow: -£550/mo
Cash on cash: -2.3%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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

property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 19.7%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 3350/mo (range 3000-3700)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 3350/mo (range 3000-3700)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 219 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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£841,000

Rent Estimate (pcm)£3,350

Gross Yield4.73%

1y Growth-2.8%

3y Growth+2.5%

5y Growth+3.0%

10y Growth+3.7%

Last Sold Price£865,000 (2024-03-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN25 6NW

Approval Rate

-12mo

Development

low

PA/2026/1473
Single-storey side/rear extension, addition of rooflight following demolition of existing shed and conservatory.
Conditions
NOT/2026/1255
G1 - Beech hedge - Cut back to previous historical cut to a height of 3 metres. Reason: The hedge is getting too big, and the owner of the house feels it needs to be reduced to a more manageable height. (EXEMPT WORK as is a SHRUB -G2 - Laurel shrub - Cut back to a height of 3 metres (just above the gutter height of the bungalow). Reason: the shrub is far too tall and needs a good prune)
Approved
PA/2025/1395
Variation of Condition 2 (approved plans and documents) of PA/2024/0689 for Proposed Front Porch and construction of a vehicular access with permeable driveway creating off road parking; to allow for a change to the roof design.
Conditions

View Planning Timeline

Ownership

Corporate Ownership68.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-03-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,991

Population Density124 /km²

Owner Occupied81%

Age Distribution

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

View Area Profile

Schools Nearby

Mersham Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Caldecott Foundation School
0.8 mi
Good
Smeeth Community Primary School
1.5 mi
Good
Aldington Primary School
1.8 mi
Good

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

View All Schools

Comparables

View All

Bower Farm Bower Road
-
£790k
-
Bower Farm Bower Road
-
£865k
-
Bower Farm Bower Road
-
£895k
-
Bower Farm Bower Road
-
£825k
-

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