7 Bell Cottages, Three Elm Lane, Golden Green, Tonbridge, TN11 0BB

UPRN:200000969528Terrace Property2 bedsBuilt -

FreeholdCouncil Tax: Band CEPC: -

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

7 Bell Cottages, Three Elm Lane, Golden Green, Tonbridge, TN11 0BB

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£314,000

£283k - £346kMedium

Estimate

£314k

Range

£283k – £346k

Rent Estimate (pcm)

£1,000

£850 - £1k

Monthly

£1,000

Yield

3.69%

Verdict

Derived from HomePortfolio scores

7 Bell Cottages earns an INVESTIGATE rating with HP Score 60/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (3/100). 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 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

60/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

3/ 100

Low

Transit & Bike

Transit 3Bike 23

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£325,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £850-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: -£405/mo
Cash on cash: -4.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.91 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£314,000

Rent Estimate (pcm)£1,000

Gross Yield3.69%

1y Growth-

3y Growth-0.2%

5y Growth+1.4%

10y Growth+2.7%

Last Sold Price£130,000 (2003-09-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0TN11 0BB

Approval Rate

-12mo

Development

low

26/01610/FL
One detached self/custom build dwelling and a detached three-bay garage with ancillary store/hobby room above and associated works
Pending
26/01017/FL
Proposed extension to existing annexe
Pending
26/00900/PDVLR
Prior Notification for Larger Home Extension (Part 1 Class A): Single storey rear extension to a depth of 4.95m, maximum roof height of 3.72m, and eaves height of 2.06m
Approved

View Planning Timeline

Ownership

Corporate Ownership73.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2003-09-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,106

Population Density-

Owner Occupied82%

Age Distribution

0-15 16%16-64 58%65+ 26%

View Area Profile

Schools Nearby

Hadlow Primary School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Hadlow Rural Community School
1.0 mi
Requires improvement
East Peckham Primary School
1.9 mi
Report card2025
Ofsted no longer awards a single overall grade.
Capel Primary School
2.0 mi
Good

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Bell Cottages
-
£255k
-
3 Bell Cottages
-
£393k
-
10 Bell Cottages
-
£345k
-
Bell Cottages Three Elm Lane
-
£395k
-

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