Flat 6, 26 Annison Street, Tonbridge, TN9 1FL

UPRN:10013918980Flat/MaisonetteBeds -Built 2007-2011

Tenure: -Council Tax: Band CEPC: B (81)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 6, 26 Annison Street, Tonbridge, TN9 1FL

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

15 of 21 sources

Sale Estimate

£281,000

£253k - £309kMedium

Estimate

£281k

Range

£253k – £309k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

4.10%

Verdict

Derived from HomePortfolio scores

Flat 6 earns an INVESTIGATE rating with HP Score 65/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is good (82/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

71/ 100

High

Crime Score

86/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 20Bike 71

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -40.6% (MEDIUM), sold-comps -29.9%, £/sqft -30.0%] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10013918980· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.2%· as of 31 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1350/mo (range 1250-1450)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -804/mo, -60% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 51 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 4 Nov 2026
Risk & liquidity12.9/15
244 sales/12mo in area; valuation range width 20%
- 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

£296,000£454,000

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£395,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £129,550
Net cash flow: -£399/mo
Cash on cash: -3.7%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.01 - 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 10013918980Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.2%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1350/mo (range 1250-1450)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1350/mo (range 1250-1450)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£281,000

Rent Estimate (pcm)£1,350

Gross Yield4.10%

1y Growth-

3y Growth+1.4%

5y Growth-0.0%

10y Growth+2.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN9 1FL

Approval Rate

-12mo

Development

low

26/02062/TNCA
1 x Gleditsia (applicants ref. T1) - Prune to reduce crown by approx 1 overall, back to vicinity of previous pruning points to maintain size for position. Group of Cherry, Beech and Tulip Tree (applicants ref. G1) - Prune to reduce trees by approx 1.5m back to vicinity of previous cuts to maintain size for position. 1 x Magnolia (applicants ref. T2) - Selectively prune over extended sections back to drop crotch and maintain size. (Leylandii hedge and Castlewellan hedge (applicants ref. H1 and H2) - Trim as specified to shape/tidy/maintain size).
Pending
26/02037/PDVGR
Prior notification: Schedule 2, Part 3, Class G: Change of use from a use within Class E (commercial, business and service) to Conversion of first floor to create two flats
Pending
26/02020/PDVMA
Prior Notification under schedule 2, Part 3, Class MA: Change of use from class E (office) to C3 (Dwelling) to form 1x dwelling and ancillary gym and home office
Pending

View Planning Timeline

Ownership

Corporate Ownership58%
Overseas OwnershipNo
Lease Term Remaining106 yrs
CovenantsNone
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density-

Owner Occupied49%

Age Distribution

0-15 22%16-64 67%65+ 11%

View Area Profile

Schools Nearby

Slade Primary School and Attached Unit for Children with Hearing Impairment
0.1 mi
Good
Tonbridge School
0.1 mi
Inspected by ISI
Hilden Grange School
0.4 mi
Inspected by ISI
Hilden Oaks Preparatory School and Nursery
0.4 mi
Inspected by ISI

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

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Comparables

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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