1 St Swithins Road, Whitstable, CT5 2HT

UPRN:100060850596Detached Bungalow2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band CEPC: C (80)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£405,000

£364k - £445kMedium

Estimate

£405k

Range

£364k – £445k

Rent Estimate (pcm)

£1,350

£1k - £2k

Monthly

£1,350

Yield

1.91%

Verdict

Derived from HomePortfolio scores

1 St Swithins Road earns an INVESTIGATE rating with HP Score 78/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (54/100). 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

78/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

54/ 100

Moderate

Transit & Bike

Transit 9Bike 62

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 advert has 4 bedrooms but the valuation snapshot describes 2 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -109.9% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100060850596· as of 9 Nov 2026
Rental economics0/40
gross yield 0.7% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 500/mo (tenanted)· as of 4 Nov 2026
Stress margin0/30
stressed cash flow -3,348/mo, -670% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 47 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
399 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

£637,500£977,500

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£850,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,200-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £288,800
Net cash flow: -£1,934/mo
Cash on cash: -8.0%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.47 - below 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 100060850596Valuation edge · as of 9 Nov 2026
listing_factscontractual rent 500/mo (tenanted)Rental economics · as of 4 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 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
Seller motivation could not be scored
context, not scored: 0 price cut(s), 47 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

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£405,000

Rent Estimate (pcm)£1,350

Gross Yield1.91%

1y Growth+5.6%

3y Growth+0.4%

5y Growth+1.0%

10y Growth+2.9%

Last Sold Price£375,000 (2025-06-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CT5 2HT

Approval Rate

-12mo

Development

low

CA/26/01764
Application for lawful development certificate for proposed use of loft as habitable space with dormer to rear elevation and rooflights to front elevation.
Pending
CA/26/01716
Single storey rear extension.
Pending
CA/26/01690
Single-storey rear and side extension and replacement porch together with raised terrace to rear following the demolition existing porch and rear extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership70.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-06-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,188

Population Density-

Owner Occupied85%

Age Distribution

0-15 14%16-64 53%65+ 33%

View Area Profile

Schools Nearby

Swalecliffe Community Primary School
0.3 mi
Good
The Far Academy CIC
0.6 mi
-
St Mary's Catholic Primary School, Whitstable
0.7 mi
Good
Westmeads Community Infant School
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

1 St Swithins Road
-
£375k
-
3 St Swithins Road
-
£390k
-
9 St Swithins Road
-
£495k
-
3 St Swithins Road
-
£278k
-

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