15 Church Street, Seal, Sevenoaks, TN15 0AR

UPRN:50002002075Mid Terrace Property3 bedsBuilt -

Tenure: -Council Tax: Band GEPC: -

Data freshness:Listing· freshPrice Paid· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

15 Church Street, Seal, Sevenoaks, TN15 0AR

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£609,000

£487k - £730kLow

Estimate

£609k

Range

£487k – £730k

Rent Estimate (pcm)

£2,300

£2k - £3k

Monthly

£2,300

Yield

5.21%

Verdict

Derived from HomePortfolio scores

15 Church Street earns an INVESTIGATE rating with HP Score 72/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (45/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal listingsOfcom Connected NationsMarket estimates (third-party AVM)Defra 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

72/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

45/ 100

Mixed

Transit & Bike

Transit 9Bike 34

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics1.3/40
gross yield 5.2%; range width penalty ×0.81
- valuation_snapshotsrent estimate 2300/mo (range 2050-2500)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -675/mo, -29% 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 3 Nov 2026
Risk & liquidity9.3/15
231 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£530,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,050-£2,500

Interest rate5.4%

Loan to value75%

Cash required: £176,800
Net cash flow: -£196/mo
Cash on cash: -1.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.29 - 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_snapshotsrent estimate 2300/mo (range 2050-2500)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2300/mo (range 2050-2500)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£609,000

Rent Estimate (pcm)£2,300

Gross Yield5.21%

1y Growth-

3y Growth-1.8%

5y Growth+0.9%

10y Growth+2.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

6TN15 0AR

Approval Rate

100%12mo

Development

low

26/02855/WTPO
Various works to trees.
Pending
26/02680/DETAIL
Details pursuant to condition 9 (Archaeological evaluation specifications - part-discharge) of 24/00870/FUL.
Pending
26/02631/WTCA
T1 Beech tree - Dismantle the tree in sections to near ground level.
Pending

View Planning Timeline

Ownership

Corporate Ownership77%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,969

Population Density-

Owner Occupied58%

Age Distribution

0-15 22%16-64 56%65+ 22%

View Area Profile

Schools Nearby

Seal Church of England Primary School
0.3 mi
Inspected as Seal Church of England Voluntary Controlled Primary School (URN 118605) on 20 Jan 2022
Trinity School
0.6 mi
Good
St John's Church of England Primary School, Sevenoaks
1.0 mi
GoodConcerns
Walthamstow Hall
1.2 mi
Inspected by ISI

3 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Bluebell Farm Church Street
-
£444k
-
Bluebell Farm Church Street
-
£642k
-
28 Church Street
-
£395k
-
Bluebell Farm Church Street
-
£416k
-

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