Flat 5, The Victoria, Withyham Road, Groombridge, Tunbridge Wells, TN3 9QQ

UPRN:10033416869Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band BEPC: D (67)

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

Flat 5, The Victoria, Withyham Road, Groombridge, Tunbridge Wells, TN3 9QQ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£266,000

£253k - £280kHigh

Estimate

£266k

Range

£253k – £280k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

5.78%

Verdict

Derived from HomePortfolio scores

Flat 5 earns an INVESTIGATE rating with HP Score 71/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (24/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

24/ 100

Low

Transit & Bike

Transit 16Bike 28

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

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

Valuation edge1.4/15
claims [AVM -1.5% (HIGH), sold-comps +1.8%, £/sqft +1.7%] → measured edge +0.29pp 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10033416869· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 5 comps, dispersion 6.2%· as of 7 Nov 2026
Rental economics5.6/40
gross yield 5.8%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1300/mo (range 1200-1400)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -378/mo, -29% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 291 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 & liquidity14.6/15
85 sales/12mo in area; valuation range width 10%
- 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

£202,500£310,500

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£270,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £85,800
Net cash flow: -£11/mo
Cash on cash: -0.2%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.43 - 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 10033416869Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 5 comps, dispersion 6.2%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 1300/mo (range 1200-1400)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from 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 1300/mo (range 1200-1400)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 291 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.
1 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£266,000

Rent Estimate (pcm)£1,300

Gross Yield5.78%

1y Growth-

3y Growth+4.0%

5y Growth+2.1%

10y Growth+3.5%

Last Sold Price£258,000 (2022-04-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TN3 9QQ

Approval Rate

-12mo

Development

low

WD/2026/1969/LDP
INSTALLATION OF EXTERNAL AIR SOURCE HEATING/COOLING COMPRESSOR UNIT (GROUND MOUNTED) AT REAR OF DWELLING.
Pending
WD/2026/1845/NMA
APPLICATION FOR A NON-MATERIAL AMENDMENT TO WD/2026/0625/F (PROPOSED ERECTION OF A DETACHED GARAGE WITH ANCILLARY ACCOMMODATION IN THE ROOF SPACE) WE WISH TO CONSTRUCT THE GARAGE FROM MASONRY MATERIALS USING BRICKWORK TO THE GROUND FLOOR AND VERTICAL TILING TO THE TWO GABLES AND FRONT DORMERS.
Rejected
WD/2026/1673/CD
APPLICATION FOR APPROVAL OF DETAILS RESERVED BY CONDITION 4 (Materials - Joinery Details) ATTACHED TO WD/2025/0225/F
Approved

View Planning Timeline