430 Main Road, Westerham, TN16 2HW

UPRN:10070002517Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: Band GEPC: D (57)

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

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

£995,000

£945k - £1.04MHigh

Estimate

£995k

Range

£945k – £1.04M

Rent Estimate (pcm)

£3,850

£4k - £4k

Monthly

£3,850

Yield

4.62%

Verdict

Derived from HomePortfolio scores

430 Main Road earns an INVESTIGATE rating with HP Score 64/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (16/100). 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)Defra 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

64/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

16/ 100

Low

Transit & Bike

Transit 12Bike 34

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£1,000,000

At the asking price

Monthly rent£3,850/mo

Evidenced range £3,500-£4,250

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£710/mo
Cash on cash: -2.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£995,000

Rent Estimate (pcm)£3,850

Gross Yield4.62%

1y Growth-

3y Growth+1.1%

5y Growth+1.9%

10y Growth+2.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TN16 2HW

Approval Rate

-12mo

Development

low

26/02872/NMA
Non-material amendment to 26/00327/CONVAR.
Pending
26/01947/DETAIL
Details pursuant to condition 21 (external lighting) of 24/01806/FUL
Approved
26/01945/DETAIL
Partia details pursuant to condition 14.4 (verification plan) of 24/01806/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership60.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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£43,981

Population Density-

Owner Occupied90%

Age Distribution

0-15 13%16-64 55%65+ 32%

View Area Profile

Schools Nearby

Tatsfield Primary School
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Cudham Church of England Primary School
1.2 mi
Good
Charles Darwin School
1.3 mi
Good
Biggin Hill Primary School
1.3 mi
Good

0 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Old Barn House, 430A Main Road
-
£1.22M
-
444 Main Road
-
£725k
-
Old Barn House, 430A Main Road
-
£1.18M
-
351 Main Road
-
£490k
-

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