Fir Cottage, Platt Common, Platt, Sevenoaks, TN15 8JX

UPRN:200000959339Detached House2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band GEPC: C (75)

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

Fir Cottage, Platt Common, Platt, Sevenoaks, TN15 8JX

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

£1,773,000

£1.69M - £1.86MHigh

Estimate

£1.77M

Range

£1.69M – £1.86M

Rent Estimate (pcm)

£6,550

£6k - £7k

Monthly

£6,550

Yield

4.14%

Verdict

Derived from HomePortfolio scores

Fir Cottage earns an INVESTIGATE rating with HP Score 68/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (20/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

20/ 100

Low

Transit & Bike

Transit 5Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 2026

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

Check before relying on this score: the advert has 5 bedrooms but the valuation snapshot describes 2 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -7.2% (HIGH), sold-comps -87.7%, £/sqft -87.8%] → 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 200000959339· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 13.5%· as of 22 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.79
- valuation_snapshotsrent estimate 6550/mo (range 5900-7250)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,331/mo, -51% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 133 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 30 Oct 2026
Risk & liquidity14.6/15
231 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

£1,425,000£1,995,000

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£1,900,000

At the asking price

Monthly rent£6,550/mo

Evidenced range £5,900-£7,250

Interest rate5.4%

Loan to value75%

Cash required: £713,050
Net cash flow: -£1,878/mo
Cash on cash: -3.2%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - 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 200000959339Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 13.5%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 6550/mo (range 5900-7250)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 6550/mo (range 5900-7250)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 133 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. 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£1,773,000

Rent Estimate (pcm)£6,550

Gross Yield4.14%

1y Growth-

3y Growth-1.8%

5y Growth+0.9%

10y Growth+2.2%

Last Sold Price£745,000 (2014-08-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN15 8JX

Approval Rate

-12mo

Development

low

26/01880/FL
Application to vary condition 2 (approved drawings) of planning permission 26/00133/FL (single storey side extension, single storey rear and side extension, conversion of garage to habitable room and relocation of front door) altering the approved drawing to allow revisions to the side extension (size and re-positioning)
Pending
26/01796/FL
Proposed Single storey rear, glass room extension
Pending
26/01741/FL
Removal of soil bund and erection of 1 x 4-bedroom detached dwelling with associated parking and landscaping
Pending

View Planning Timeline