Cherry Tree House, Plough Wents Road, Chart Sutton, Maidstone, ME17 3RY

UPRN:200003690367Detached House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: D (64)

Data freshness:Listing· freshPlanning· 1mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Cherry Tree House, Plough Wents Road, Chart Sutton, Maidstone, ME17 3RY

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

£585,000

£555k - £614kHigh

Estimate

£585k

Range

£555k – £614k

Rent Estimate (pcm)

£2,350

£2k - £3k

Monthly

£2,350

Yield

5.13%

Verdict

Derived from HomePortfolio scores

Cherry Tree House earns an INVESTIGATE rating with HP Score 68/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (24/100). 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

68/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

24/ 100

Low

Transit & Bike

Transit 4Bike 28

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

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

Valuation edge2.2/15
claims [AVM +6.0% (HIGH), sold-comps +2.7%, £/sqft +2.6%] → measured edge +0.43pp 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 Nov 2026
- valuation_snapshotsestimate for 200003690367· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 22.7%· as of 6 Nov 2026
Rental economics0.9/40
gross yield 5.1%; range width penalty ×0.86
- valuation_snapshotsrent estimate 2350/mo (range 2150-2550)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -723/mo, -31% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 6 Nov 2026
Risk & liquidity14.6/15
305 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

£412,500£632,500

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£550,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,150-£2,550

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£229/mo
Cash on cash: -1.5%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.27 - 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 200003690367Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 22.7%Valuation edge · as of 6 Nov 2026
valuation_snapshotsrent estimate 2350/mo (range 2150-2550)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 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 2350/mo (range 2150-2550)
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown 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£585,000

Rent Estimate (pcm)£2,350

Gross Yield5.13%

1y Growth-

3y Growth-2.1%

5y Growth+0.3%

10y Growth+2.6%

Last Sold Price£535,000 (2020-10-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

2ME17 3RY

Approval Rate

0%12mo

Development

low

26/503331/FULL
Redevelopment of site to provide 44no. residential dwellings including access onto Plough Wents Road together with provision of public open space, landscaping and other associated infrastructure.
Pending
26/503722/FULL
Erection of a single storey rear and side extension.
Pending
26/502798/TPOA
TPO Application to Coppice 2no. Ash Trees (T1 and T2) and a group of Ash Trees (G1). To reduce Ash branch (T3) from 4m to 2m. To crown lift 1no. Sweet Chestnut to 6m above ground. Subject to TPI 1 of 1970 (A1)
Approved

View Planning Timeline