Flat 1, 4 Albion Villas, Folkestone, CT20 1RP

UPRN:50100454Flat/MaisonetteBeds -Built 1900-1929

LeaseholdCouncil Tax: -EPC: D (63)

Data freshness:Listing· freshPrice Paid· freshPlanning· 5mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

Flat 1, 4 Albion Villas, Folkestone, CT20 1RP

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£404,000

£364k - £445kMedium

Estimate

£404k

Range

£364k – £445k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

12.29%

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 59/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (97/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

61/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

97/ 100

Excellent

Transit & Bike

Transit 25Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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 48% above the ask; lead to verify: 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 +48.0% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 50100454· as of 13 Oct 2026
Rental economics38.7/40
gross yield 12.3%; range width penalty ×0.97; the estimate this rent rides on sits 48% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2150/mo (range 2050-2300)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 48% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin26.2/30
stressed cash flow +564/mo, +26% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 79 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 4 Nov 2026
Risk & liquidity12.8/15
337 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 sensitivityScores 70+ above the tested range (still 70+ at £241,500)

£205,000£241,500

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£210,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £2,050-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: £780/mo
Cash on cash: 14.2%
Score at this price: 78

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.03 - 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 50100454Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 2050-2300)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 48% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_date

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 2150/mo (range 2050-2300)
Rental economics needs verification before you rely on it
sale estimate 48% 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. 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. Set your own walk-away price before viewing - the deal still scores 70+ at £241,500, the top of the tested range, so the score gives no ceiling below that.
Computed by re-running the score at higher prices; it never dropped below the threshold.
4. 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.

Valuation & Market

Sale Estimate£404,000

Rent Estimate (pcm)£2,150

Gross Yield12.29%

1y Growth-

3y Growth+1.9%

5y Growth+2.1%

10y Growth+5.4%

Last Sold Price£425,000 (2021-02-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1CT20 1RP

Approval Rate

100%12mo

Development

low

26/1719/FH/NMA
Non material amendment to planning permission 23/1949/FH to allow for design change of one of the doors and fan light to the north elevation.
Approved
26/1701/FH/CON
Approval of details pursuant to condition 10b (gate) 10c (railings) & 10d (doors) of planning permission 26/1097/FH.
Approved
26/1624/FH
Conversion of integral garage to habitable living accommodation (retrospective).
Pending

View Planning Timeline

Ownership

Corporate Ownership55.8%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-02-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,355

Population Density7,054 /km²

Owner Occupied20%

Age Distribution

0-15 15%16-64 73%65+ 12%

View Area Profile

Schools Nearby

Folkestone Beacon Plus
0.0 mi
-
St Eanswythe's Church of England Primary School
0.1 mi
Inspected as St Eanswythe's Church of England Primary School (URN 118742) on 15 Jul 2010
Christ Church Cep Academy, Folkestone
0.3 mi
Good
Folkestone, St Peter's Church of England Primary School
0.4 mi
-

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

View All Schools

Comparables

View All

3 Albion Villas
-
£260k
-
5 Albion Villas
-
£175k
-
4 Albion Villas
-
£530k
-
3 Albion Villas
-
£229k
-

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