Mill Cottage, Tutsham Farm, West Farleigh, Maidstone, ME15 0NF

UPRN:10022895509Detached Bungalow2 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: G (16)

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

Mill Cottage, Tutsham Farm, West Farleigh, Maidstone, ME15 0NF

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£751,000

£676k - £826kMedium

Estimate

£751k

Range

£676k – £826k

Rent Estimate (pcm)

£3,250

£3k - £4k

Monthly

£3,250

Yield

8.21%

Verdict

Derived from HomePortfolio scores

Mill Cottage earns an INVESTIGATE rating with HP Score 62/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (9/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

9/ 100

Low

Transit & Bike

Transit 39Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 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: the estimate sits 37% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +36.8% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10022895509· as of 9 Nov 2026
Rental economics20.5/40
gross yield 8.2%; range width penalty ×0.80; the estimate this rent rides on sits 37% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3250/mo (range 2900-3550)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 37% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin7.8/30
stressed cash flow +255/mo, +8% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 407 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 & liquidity12.8/15
489 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

£380,000£546,000

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£475,000

At the asking price

Monthly rent£3,250/mo

Evidenced range £2,900-£3,550

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: £647/mo
Cash on cash: 4.9%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.03 - clears 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 10022895509Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3250/mo (range 2900-3550)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 37% above the ask on the same snapshot - verify the rent describes this homeRental 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 3250/mo (range 2900-3550)
Rental economics needs verification before you rely on it
sale estimate 37% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. 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.
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£751,000

Rent Estimate (pcm)£3,250

Gross Yield8.21%

1y Growth-

3y Growth-0.7%

5y Growth+1.1%

10y Growth+3.5%

Last Sold Price£640,000 (2020-02-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME15 0NF

Approval Rate

-12mo

Development

low

26/504100/TCA
Conservation Area Notification: To fell row of 6no. failing Holly trees (G1), 1no. Cherry Tree (T2) and 1no. Yew Tree to be reduced from 6m in height to 3m in height to encourage growth lower down.
Pending
26/503427/FULL
Demolition of existing dwelling, tractor shed and bee equipment store and erection of replacement dwelling and a small-holding barn, with associated landscaping.
Pending
26/503344/TCA
Conservation Area Notification: Large Laurel - Reduce to 2.2m approx in height and reduction to hedge
Approved

View Planning Timeline

Ownership

Corporate Ownership65.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-02-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,151

Population Density181 /km²

Owner Occupied76%

Age Distribution

0-15 14%16-64 59%65+ 27%

View Area Profile

Schools Nearby

St Helens Montessori School
1.1 mi
Outstanding
Wateringbury Church of England Primary School
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Barming Primary School
1.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
East Farleigh Primary School
1.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Mill Cottages Tutsham Farm
-
£425k
-
Mill Cottage Tutsham Farm
-
£640k
-
Mill Cottages Tutsham Farm
-
£418k
-
Mill Cottage Tutsham Farm
-
£565k
-

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