Warm Haven, Warmlake Road, Sutton Valence, Maidstone, ME17 3LP

UPRN:200003697231Detached House5 bedsBuilt 1991-1995

FreeholdCouncil Tax: -EPC: C (80)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Warm Haven, Warmlake Road, Sutton Valence, Maidstone, ME17 3LP

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£1,134,000

£1.02M - £1.25MMedium

Estimate

£1.13M

Range

£1.02M – £1.25M

Rent Estimate (pcm)

£4,550

£4k - £5k

Monthly

£4,550

Yield

8.27%

Verdict

Derived from HomePortfolio scores

Warm Haven earns an INVESTIGATE rating with HP Score 67/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (19/100). 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

67/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

19/ 100

Low

Transit & Bike

Transit 7Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 11 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 42% above the ask. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +41.8% (MEDIUM), sold-comps +64.5%, £/sqft +64.5%] → measured edge +0.50pp 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 200003697231· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 3 comps, dispersion 21.9%· as of 7 Nov 2026
Rental economics20.5/40
gross yield 8.3%; range width penalty ×0.78; the estimate this rent rides on sits 42% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 4550/mo (range 4100-5050)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 42% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin9.4/30
stressed cash flow +430/mo, +9% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 167 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 11 Nov 2026
Risk & liquidity12.8/15
305 sales/12mo in area; valuation range width 20%
- 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

£577,500£759,000

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£660,000

At the asking price

Monthly rent£4,550/mo

Evidenced range £4,100-£5,050

Interest rate5.4%

Loan to value75%

Cash required: £222,300
Net cash flow: £922/mo
Cash on cash: 5.0%
Score at this price: 45

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.04 - 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 200003697231Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 3 comps, dispersion 21.9%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 4550/mo (range 4100-5050)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 42% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 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 4550/mo (range 4100-5050)
Rental economics needs verification before you rely on it
sale estimate 42% 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£1,134,000

Rent Estimate (pcm)£4,550

Gross Yield8.27%

1y Growth-

3y Growth-2.1%

5y Growth+0.3%

10y Growth+2.6%

Last Sold Price£1,385,000 (2023-01-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME17 3LP

Approval Rate

-12mo

Development

low

26/503401/FULL
Demolition of shed and erection of a 4 bedroom dwelling house with the provision of 3no. parking spaces, 3no. cycle spaces, a dropped kerb and associated hard and soft landscaping.
Pending
26/503050/FULL
Raise roof height to form loft conversion with insertion of dormer and rooflight. Erection of single storey rear extension. Installation of replacement windows, and wood burner flue.
Approved
26/502498/FULL
To retain the dwelling unit at 15 North Street and to replace ground floor window in the front elevation with a door (Retrospective)
Rejected

View Planning Timeline