31 Whiffen Walk, East Malling, West Malling, ME19 6TZ

UPRN:200000965120Detached House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band EEPC: C (69)

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

31 Whiffen Walk, East Malling, West Malling, ME19 6TZ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£514,000

£489k - £540kHigh

Estimate

£514k

Range

£489k – £540k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

5.33%

Verdict

Derived from HomePortfolio scores

31 Whiffen Walk earns an INVESTIGATE rating with HP Score 69/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (53/100). 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

69/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

53/ 100

Moderate

Transit & Bike

Transit 8Bike 57

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 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 +12.5% (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 12 Oct 2026
- valuation_snapshotsestimate for 200000965120· as of 12 Oct 2026
Rental economics2/40
gross yield 5.3%; range width penalty ×0.75
- valuation_snapshotsrent estimate 2000/mo (range 1800-2250)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -558/mo, -28% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 79 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 9 Nov 2026
Risk & liquidity14.7/15
261 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£2,000/mo

Evidenced range £1,800-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£134/mo
Cash on cash: -1.1%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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 200000965120Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 2000/mo (range 1800-2250)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 2000/mo (range 1800-2250)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 79 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. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£514,000

Rent Estimate (pcm)£2,000

Gross Yield5.33%

1y Growth-14.6%

3y Growth-1.2%

5y Growth+1.1%

10y Growth+2.1%

Last Sold Price£190,000 (2002-07-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1ME19 6TZ

Approval Rate

-12mo

Development

low

26/01957/RD
Details of Condition 15 (Archaeological Field Evaluation) submitted pursuant to planning permission 25/01638/FL (Erection of two bungalows)
Pending
26/01875/RD
Details of Condition 4 (Demolition Sequencing and Redevelopment Contract), Condition 6 (Archaeological Investigation and Recording), Condition 7 (Tree Protection Measures) and Condition 10 (Ecological Mitigation and Enhancement) submitted pursuant to planning permission TM/26/00669/FL (Section 73 application to vary Condition 4 (Demolition Sequencing and Redevelopment Contract), Condition 6 (Archaeological Investigation and Recording), Condition 7 (Tree Protection Measures) and Condition 10 (Ecological Mitigation and Enhancement) of planning permission TM/24/00271/FL (Proposed demolition of existing dwelling and the erection of 2no semi-detached dwellings, with associated landscaping and parking) to allow for retrospective decision for demolition)
Pending
26/01853/FL
Conversion of existing garage to habitable room
Pending

View Planning Timeline

Ownership

Corporate Ownership72%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-07-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density-

Owner Occupied50%

Age Distribution

0-15 24%16-64 61%65+ 15%

View Area Profile

Schools Nearby

Ditton Church of England Junior School
0.3 mi
Inspected as Ditton Church of England Junior School (URN 118854) on 29 Oct 2019
Brookfield Infant School
0.5 mi
GoodConcerns
Ditton Infant School
0.5 mi
Good
Brookfield Junior School
0.5 mi
Good

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

View All Schools

Comparables

View All

3 Whiffen Walk
-
£521k
-
44 Whiffen Walk
-
£425k
-
44 Whiffen Walk
-
£404k
-
30 Whiffen Walk
-
£450k
-

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