Lugano, Cripple Street, Maidstone, ME15 6BA

UPRN:200003676952Detached House4 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band GEPC: C (76)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Lugano, Cripple Street, Maidstone, ME15 6BA

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£648,000

£615k - £680kHigh

Estimate

£648k

Range

£615k – £680k

Rent Estimate (pcm)

£2,750

£3k - £3k

Monthly

£2,750

Yield

5.08%

Verdict

Derived from HomePortfolio scores

Lugano earns an INVESTIGATE rating with HP Score 67/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (56/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

43/ 100

Elevated

Walkability

56/ 100

Moderate

Transit & Bike

Transit 9Bike 40

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£650,000

At the asking price

Monthly rent£2,750/mo

Evidenced range £2,550-£3,000

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£290/mo
Cash on cash: -1.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.25 - clears 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£648,000

Rent Estimate (pcm)£2,750

Gross Yield5.08%

1y Growth-

3y Growth-0.7%

5y Growth+1.1%

10y Growth+3.5%

Last Sold Price£494,000 (2017-03-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

4ME15 6BA

Approval Rate

50%12mo

Development

low

26/504108/FULL
Erection of a single-storey rear extension and part two-storey side extension.
Pending
26/503972/SUB
Submission of details pursuant to condition 4 - Biodiversity Enhancement, Subject to 26/502751/FULL
Pending
26/503511/FULL
Part retrospective application for alterations to the garage and changes to fenestration.
Pending

View Planning Timeline

Ownership

Corporate Ownership65.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-03-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,151

Population Density4,714 /km²

Owner Occupied66%

Age Distribution

0-15 22%16-64 57%65+ 21%

View Area Profile

Schools Nearby

New Line Learning Academy
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Tiger Primary School
0.6 mi
Good
Five Acre Wood School
0.6 mi
Outstanding
Loose Primary School
0.7 mi
GoodConcerns

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

View All Schools

Comparables

View All

Audley End Cripple Street
-
£600k
-
Halfacre Cripple Street
-
£639k
-
Dale Down Cripple Street
-
£530k
-
Merrymaids Cripple Street
-
£490k
-

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