Flat 20, Beach Marine, The Riviera, Sandgate, Folkestone, CT20 3AE

UPRN:50027042Purpose Built Flat2 bedsBuilt 1950-1966

LeaseholdCouncil Tax: -EPC: D (55)

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

Flat 20, Beach Marine, The Riviera, Sandgate, Folkestone, CT20 3AE

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

£251,000

£238k - £263kHigh

Estimate

£251k

Range

£238k – £263k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

6.89%

Verdict

Derived from HomePortfolio scores

Flat 20 earns an INVESTIGATE rating with HP Score 74/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (45/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

45/ 100

Mixed

Transit & Bike

Transit 9Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 24 Oct 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +6.4% (HIGH)] → measured edge +0.00pp 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 Oct 2026
- valuation_snapshotsestimate for 50027042· as of 9 Oct 2026
Rental economics13.7/40
gross yield 6.9%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1350/mo (range 1250-1450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -131/mo, -10% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 24 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 256 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 24 Oct 2026
Risk & liquidity14.6/15
326 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

£176,000£270,000

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£235,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £74,000
Net cash flow: £141/mo
Cash on cash: 2.3%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.70 - 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 50027042Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1350/mo (range 1250-1450)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 24 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 24 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1350/mo (range 1250-1450)
Stress margin needs verification before you rely on it
service charge / ground rent from the advert

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£251,000

Rent Estimate (pcm)£1,350

Gross Yield6.89%

1y Growth-3.8%

3y Growth+3.2%

5y Growth+2.2%

10y Growth+5.6%

Last Sold Price£194,000 (2018-06-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CT20 3AE

Approval Rate

-12mo

Development

low

26/1718/FH/GPD
Notification under the Town and Country Planning (General Permitted Development) (England) Order 2015 for a single storey rear extension.
Pending
26/1653/FH/TCA
Works to trees in a Conservation area comprising of T1, T2 & T3 Lime pollard to 7 metres from ground level.
Pending
26/1622/FH
Installation of Hazel Hurdle fence behind front boundary wall
Pending

View Planning Timeline

Ownership

Corporate Ownership55.8%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2018-06-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,355

Population Density-

Owner Occupied71%

Age Distribution

0-15 12%16-64 57%65+ 31%

View Area Profile

Schools Nearby

The Folkestone School for Girls
0.2 mi
Good
Sandgate Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
School of English Studies
0.7 mi
-
Earlscliffe (Sussex Summer Schools Ltd)
0.8 mi
Inspected by ISI

6 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Beach Marine The Riviera
-
£332k
-
Beach Marine The Riviera
-
£345k
-
Beach Marine The Riviera
-
£290k
-
Beach Marine The Riviera
-
£315k
-

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