Flat 1, 26 Vicarage Crescent, Margate, CT9 1LH

UPRN:10022965458Flat/Maisonette1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: D (67)

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

Flat 1, 26 Vicarage Crescent, Margate, CT9 1LH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£150,000

£135k - £165kMedium

Estimate

£150k

Range

£135k – £165k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

11.37%

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 55/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (90/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

55/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

90/ 100

Excellent

Transit & Bike

Transit 32Bike 74

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 2 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 +36.7% (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 12 Oct 2026
- valuation_snapshotsestimate for 10022965458· as of 12 Oct 2026
Rental economics39.1/40
gross yield 11.4%; range width penalty ×0.98; the estimate this rent rides on sits 37% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 900/mo (range 850-950)· as of 12 Oct 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 12 Oct 2026· verify before relying on this
Stress margin13.4/30
stressed cash flow +121/mo, +13% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); passes the stress
- listing_factsservice charge / ground rent from the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 32 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 2 Nov 2026
Risk & liquidity12.8/15
495 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 sensitivityScores 70+ up to £85,500

£76,000£109,000

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£95,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: £302/mo
Cash on cash: 12.2%
Score at this price: 65

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.81 - 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 10022965458Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-950)Rental economics · as of 12 Oct 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 12 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 900/mo (range 850-950)
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. Set your walk-away price before viewing - above £85,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£150,000

Rent Estimate (pcm)£900

Gross Yield11.37%

1y Growth-

3y Growth-1.8%

5y Growth+0.4%

10y Growth+4.3%

Last Sold Price£52,500 (2004-01-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CT9 1LH

Approval Rate

-12mo

Development

low

F/TH/26/0763
Change of use of ground floor and basement from restaurant (Use Class E) to 1no. 2-bed self-contained flat (Use Class C3), together with installation of escape window at basement level on rear elevation
Pending
FH/TH/26/0141
Extension of vehicular access
Awaiting decision
F/TH/26/0745
Variation of condition 2 of planning permission F/TH/22/1030 for the "Change of Use and conversion of existing building used for homeless sheltered accommodation (sui generis) to provide 7 self-contained flats (Use Class C3)" to allow changes to fenestration and boundary treatments with internal alterations
Pending

View Planning Timeline

Ownership

Corporate Ownership64.5%
Overseas OwnershipNo
Lease Term Remaining62 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2004-01-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,323

Population Density5,630 /km²

Owner Occupied22%

Age Distribution

0-15 21%16-64 68%65+ 11%

View Area Profile

Schools Nearby

Margate, Holy Trinity and St John's Church of England Primary School
0.2 mi
Good
Salmestone Primary School
0.3 mi
Inspected as Salmestone Primary School (URN 118410) on 18 Jan 2012
St Gregory's Catholic Primary School, Margate
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Drapers Mills Primary Academy
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

6 Vicarage Crescent
-
£331k
-
6 Vicarage Crescent
-
£302k
-
26 Vicarage Crescent
-
£128k
-
6 Vicarage Crescent
-
£281k
-

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