3 Stone Cottages, Claygate, Maidstone, ME15 8DN

UPRN:10096760733-Beds -Built 2026

Tenure: -Council Tax: -EPC: B (83)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3 Stone Cottages, Claygate, Maidstone, ME15 8DN

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£345,000

£276k - £414kLow

Estimate

£345k

Range

£276k – £414k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

4.68%

Verdict

Derived from HomePortfolio scores

3 Stone Cottages earns an INVESTIGATE rating with HP Score 62/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (40/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

38/ 100

Elevated

Walkability

40/ 100

Mixed

Transit & Bike

Transit 16Bike 38

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 4.7%; range width penalty ×0.87
- valuation_snapshotsrent estimate 1500/mo (range 1350-1600)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -652/mo, -43% 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
Risk & liquidity9.2/15
489 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£385,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,350-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £126,050
Net cash flow: -£261/mo
Cash on cash: -2.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.15 - 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_snapshotsrent estimate 1500/mo (range 1350-1600)Rental economics · as of 10 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 Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1500/mo (range 1350-1600)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£345,000

Rent Estimate (pcm)£1,500

Gross Yield4.68%

1y Growth-

3y Growth-0.7%

5y Growth+1.1%

10y Growth+3.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME15 8DN

Approval Rate

-12mo

Development

low

26/504236/SUB
Submission of details pursuant to conditions 3 - Natural slate specification,4 - Joinery details and 5 - Structural drawings, Subject to 25/502374/LBC
Pending
26/504195/FULL
Installation of roller shutters to north and west elevations
Pending
26/504192/FULL
Insertion of ventilation louvres to north and west elevation.
Pending

View Planning Timeline

Ownership

Corporate Ownership65.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
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£34,151

Population Density1,123 /km²

Owner Occupied67%

Age Distribution

0-15 18%16-64 54%65+ 28%

View Area Profile

Schools Nearby

Greenfields Community Primary School
0.3 mi
-
Park Way Primary School
0.5 mi
Good
Leigh Academy Molehill
0.7 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Leigh Academy Oaks
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

7 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

2 Stone Cottages
-
£307k
-
Stone Cottages Claygate
-
£210k
-
2 Stone Cottages
-
£235k
-
2 Stone Cottages
-
£160k
-

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