46 Garden Road, Folkestone, CT19 5RA

UPRN:50039367Terrace Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: E (51)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£199,000

£189k - £209kHigh

Estimate

£199k

Range

£189k – £209k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

6.63%

Verdict

Derived from HomePortfolio scores

46 Garden Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (83/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

83/ 100

High

Transit & Bike

Transit 30Bike 65

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£190,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £86/mo
Cash on cash: 1.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.64 - 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£199,000

Rent Estimate (pcm)£1,050

Gross Yield6.63%

1y Growth-

3y Growth-1.7%

5y Growth+2.2%

10y Growth+3.8%

Last Sold Price£89,950 (2002-10-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CT19 5RA

Approval Rate

-12mo

Development

low

26/1736/FH/PA
Determination as to whether the prior approval of the Local Planning Authority is required under schedule 2, part 20 class A (General permitted development order 2015) for the enlargement of a block of flats by construction of an additional storey for for 1 x 2 bedroom apartment.
Pending
26/1701/FH/CON
Approval of details pursuant to condition 10b (gate) 10c (railings) & 10d (doors) of planning permission 26/1097/FH.
Approved
26/1687/FH
Lawful Development Certificate (Proposed) for a change of use from C3 (dwelling house) to C4 (small HMO)
Pending

View Planning Timeline