Gable End Cottage, 5B High Street, Sevenoaks, TN13 1HY

UPRN:10094322334Semi-Detached House5 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Gable End Cottage, 5B High Street, Sevenoaks, TN13 1HY

HP Score

Not available

Verdict

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

Evidence

12 of 21 sources

Sale Estimate

£1,791,000

£1.70M - £1.88MHigh

Estimate

£1.79M

Range

£1.70M – £1.88M

Rent Estimate (pcm)

£6,500

£6k - £7k

Monthly

£6,500

Yield

4.48%

Verdict

Derived from HomePortfolio scores

Gable End Cottage earns an INVESTIGATE rating; it has no HP Score yet. Walkability is limited (55/100). 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 SourcesPortal listingsMarket estimates (third-party AVM)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

No data

Investment Score

No data

Crime Score

No data

Walkability

55/ 100

Moderate

Transit & Bike

Transit 13Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 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 +2.8% (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 10 Oct 2026
- valuation_snapshotsestimate for 10094322334· as of 10 Oct 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.77
- valuation_snapshotsrent estimate 6500/mo (range 5800-7200)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,693/mo, -41% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 69 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 5 Nov 2026
Risk & liquidity5.6/15
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

£1,305,000£1,957,500

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£1,740,000

At the asking price

Monthly rent£6,500/mo

Evidenced range £5,800-£7,200

Interest rate5.4%

Loan to value75%

Cash required: £645,850
Net cash flow: -£1,373/mo
Cash on cash: -2.6%
Score at this price: 6

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - below 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 10094322334Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 6500/mo (range 5800-7200)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 6500/mo (range 5800-7200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 69 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. 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£1,791,000

Rent Estimate (pcm)£6,500

Gross Yield4.48%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-TN13 1HY

Approval Rate

-12mo

Development

26/02873/WTCA
Reduce height of Japanese Cedar by 20ft and bring in top laterals to shape.
Pending
26/02768/WTCA
Arizona Cyprus tree - removal.
Pending
26/02729/WTPO
T.1 Ash tree, - reduce the tree overall back to the vicinity of the previous reduction points, by the removal of approx 3.5m overall to manage the size of the tree. T.2 Twin stemmed ash tree, -remove the front declining stem back to source, and remove the first low dead branch from the second stem for safety works.
Pending

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,969

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Sevenoaks School
0.2 mi
Inspected by ISI
St Thomas' Catholic Primary School, Sevenoaks
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Solefield School
0.4 mi
Inspected by ISI
Lady Boswell's Church of England Voluntary Aided Primary School, Sevenoaks
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Royal Oak Hotel High Street
-
£1.25M
-
Little Oak End High Street
-
£940k
-
5 High Street
-
£630k
-
Royal Oak Mews High Street
-
£975k
-

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