3 Claygate Cottages, Claygate, Marden, Tonbridge, TN12 9PL

UPRN:10014308776Semi-Detached HouseBeds -Built before 1900

FreeholdCouncil Tax: Band CEPC: F (38)

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

3 Claygate Cottages, Claygate, Marden, Tonbridge, TN12 9PL

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£393,000

£353k - £432kMedium

Estimate

£393k

Range

£353k – £432k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

2.86%

Verdict

Derived from HomePortfolio scores

3 Claygate Cottages earns an INVESTIGATE rating with HP Score 61/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (10/100). 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 NationsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

10/ 100

Low

Transit & Bike

Transit 3Bike 24

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 7 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -65.4% (MEDIUM)] → 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 10014308776· as of 9 Nov 2026
Rental economics0/40
gross yield 2.9%; range width penalty ×0.81
- valuation_snapshotsrent estimate 1550/mo (range 1400-1700)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,733/mo, -112% 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 7 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 187 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 7 Nov 2026
Risk & liquidity12.8/15
311 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

£487,500£747,500

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£650,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,400-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£1,121/mo
Cash on cash: -6.1%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - 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 10014308776Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1550/mo (range 1400-1700)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 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 1550/mo (range 1400-1700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 187 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£393,000

Rent Estimate (pcm)£1,550

Gross Yield2.86%

1y Growth-

3y Growth-0.8%

5y Growth+0.5%

10y Growth+2.4%

Last Sold Price£248,000 (2014-07-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TN12 9PL

Approval Rate

-12mo

Development

low

26/501807/FULL
Section 73 - Application for variation of condition 4 (to allow extended seasonal opening hours between 6:00am and 9:00pm from 1 April to 31 October; and 8:00am and 6:00pm from 1 November to 31 March) pursuant to 23/504118/FULL for - Change of use of 1 hectare (2.5 acres) of agricultural land to use as a dog walking paddock with associated 1.8metre height fencing, gate, and parking. (Note original hours were 8am and 6pm and within these 10 hours, no activity in connection with the use hereby permitted outside of daylight hours).
Pending
26/501764/SUB
Submission of details pursuant to condition 4 (Biodiversity Enhancement Plan) for 25/504701/FULL.
Pending
26/501594/FULL
Installation of 12m diameter 1.8m high 'Horse Walker' (Retrospective)
Approved

View Planning Timeline

Ownership

Corporate Ownership69%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2014-07-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

26 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,151

Population Density143 /km²

Owner Occupied71%

Age Distribution

0-15 21%16-64 62%65+ 17%

View Area Profile

Schools Nearby

St Margaret's, Collier Street Church of England Voluntary Controlled School
0.9 mi
Good
Leigh Academy Marden
1.6 mi
Good
Laddingford St Mary's Church of England Voluntary Controlled Primary School
2.5 mi
Good
Leigh Academy Horsmonden
2.6 mi
Good

4 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Claygate Cottages Claygate
-
£248k
-
Longend Farm Claygate
-
£675k
-
Claygate Cottages Claygate
-
£175k
-
Longend Farm Claygate
-
£485k
-

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