Mermaid Cottage, The Bay, St. Margarets Bay, Dover, CT15 6DY

UPRN:10034876592Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band GEPC: C (72)

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

Mermaid Cottage, The Bay, St. Margarets Bay, Dover, CT15 6DY

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£1,374,000

£1.30M - £1.44MHigh

Estimate

£1.37M

Range

£1.30M – £1.44M

Rent Estimate (pcm)

£6,450

£6k - £7k

Monthly

£6,450

Yield

5.55%

Verdict

Derived from HomePortfolio scores

Mermaid Cottage earns an INVESTIGATE rating with HP Score 65/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (18/100). 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 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

18/ 100

Low

Transit & Bike

Transit 39Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM -1.5% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10034876592· as of 9 Oct 2026
Rental economics3.8/40
gross yield 5.5%; range width penalty ×0.86
- valuation_snapshotsrent estimate 6450/mo (range 5900-7000)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,274/mo, -20% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 499 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
116 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

£1,046,000£1,604,000

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£1,395,000

At the asking price

Monthly rent£6,450/mo

Evidenced range £5,900-£7,000

Interest rate5.4%

Loan to value75%

Cash required: £503,050
Net cash flow: -£243/mo
Cash on cash: -0.6%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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 10034876592Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 6450/mo (range 5900-7000)Rental economics · as of 9 Oct 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
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 6450/mo (range 5900-7000)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 499 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.
2 price cut(s) recorded on the listing history.
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£1,374,000

Rent Estimate (pcm)£6,450

Gross Yield5.55%

1y Growth-

3y Growth-2.7%

5y Growth+0.5%

10y Growth+2.4%

Last Sold Price£800,000 (2008-02-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0CT15 6DY

Approval Rate

-12mo

Development

low

TC/26/00160
Reduce in size by 50% of one Yew tree (T1) and fell two Yew trees (T2 and T3) all situated within a conservation area
Pending
26/00986
Roof extension including insertion of 3 front dormer windows with balcony/balustrade and a rear dormer window to facilitate a loft conversion, erection of a single storey side extension, solar panels, widening of vehicular access, parking and associated landscaping (existing attached garage and conservatory to be demolished)
Pending
TC/26/00156
Crown reduce by approximately 2-3 metres in height and 2-3 metres laterally and remove or heavily reduce decayed stem of one Beech (T1) situated within a conservation area
Pending

View Planning Timeline

Ownership

Corporate Ownership81.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-02-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,704

Population Density324 /km²

Owner Occupied87%

Age Distribution

0-15 12%16-64 48%65+ 40%

View Area Profile

Schools Nearby

St Margaret's-at-Cliffe Primary School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Portal House School
0.5 mi
-
Learning Opportunities Centre Secondary
2.2 mi
Good
Kingsdown and Ringwould Church of England Primary School
2.3 mi
OutstandingConcerns

6 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Coastguard The Bay
-
£600k
-
Mermaid Cottage The Bay
-
£800k
-

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