21 Mill Stream Place, Tonbridge, TN9 1QJ

UPRN:200000965692Detached House4 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band EEPC: D (64)

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

21 Mill Stream Place, Tonbridge, TN9 1QJ

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£725,000

£689k - £761kHigh

Estimate

£725k

Range

£689k – £761k

Rent Estimate (pcm)

£2,750

£2k - £3k

Monthly

£2,750

Yield

6.29%

Verdict

Derived from HomePortfolio scores

21 Mill Stream Place earns an INVESTIGATE rating with HP Score 76/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (58/100). 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

76/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

58/ 100

Moderate

Transit & Bike

Transit 15Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 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 estimate sits 28% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +27.6% (HIGH), sold-comps -0.6%, £/sqft -0.5%] → 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 200000965692· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19%· as of 4 Nov 2026
Rental economics8.2/40
gross yield 6.3%; range width penalty ×0.80; the estimate this rent rides on sits 28% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2750/mo (range 2450-3000)· as of 10 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 28% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -324/mo, -12% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 34 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 4 Nov 2026
Risk & liquidity14.7/15
244 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

£394,000£604,000

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£525,000

At the asking price

Monthly rent£2,750/mo

Evidenced range £2,450-£3,000

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: £132/mo
Cash on cash: 0.9%
Score at this price: 23

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.55 - 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 200000965692Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 2750/mo (range 2450-3000)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 28% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 2750/mo (range 2450-3000)
Rental economics needs verification before you rely on it
sale estimate 28% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£725,000

Rent Estimate (pcm)£2,750

Gross Yield6.29%

1y Growth-

3y Growth+1.4%

5y Growth-0.0%

10y Growth+2.3%

Last Sold Price£585,000 (2021-03-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TN9 1QJ

Approval Rate

-12mo

Development

low

26/02062/TNCA
T1 (Applicant ref) Gleditsia Tricanthos- Prune to reduce crown by approx 1 overall, back to vicinity of previous pruning points. H1 (Applicants ref) Leylandii- Trim to and sides to shape and tidy to maintain size. H2 (Applicants ref) Castlewellan- Trim top and all sides to tidy. G1(Applicants ref) Group of Cherry, Beech and Tulip- Prune to reduce trees by approx 1.5m back to vicinity of previous cuts to maintain size for position. T2 (Applicants ref) Magnolia- Selectively prune over extended sections back to drop crotch and maintain size.
Pending
26/02046/NMA
Non Material Amendment to planning permission TM/26/00638/FL to change the cladding on the dormer to dark grey fibre cement horizontal cladding with wood grain effect
Pending
26/01993/TNCA
1 x Silver Birch (applicants ref. T1) - Dismantle to ground level.
Pending

View Planning Timeline