3 Rectory Court, Rectory Gardens, Whitstable, CT5 2LY

UPRN:100062055772Flat/Maisonette1 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band BEPC: D (68)

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

3 Rectory Court, Rectory Gardens, Whitstable, CT5 2LY

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

19 of 21 sources

Sale Estimate

£111,000

£105k - £116kHigh

Estimate

£111k

Range

£105k – £116k

Rent Estimate (pcm)

£500

£450 - £500

Monthly

£500

Yield

5.45%

Verdict

Derived from HomePortfolio scores

3 Rectory Court earns an AVOID rating with HP Score 76/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (55/100). 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)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

76/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

55/ 100

Moderate

Transit & Bike

Transit 16Bike 60

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£110,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£500

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: -£25/mo
Cash on cash: -0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.35 - 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£111,000

Rent Estimate (pcm)£500

Gross Yield5.45%

1y Growth-

3y Growth+0.4%

5y Growth+1.0%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CT5 2LY

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/26/01779
T1 - reduce overall height by aprox 25% and reduce the lateral spread by aprox 20% to create a balanced and more manageable crown in rear garden.
Pending
CA/26/01718
Proposed two-storey side extension, single storey side extension, first-floor rear extension and enlargement of existing front porch, following demolition of existing garages.
Pending

View Planning Timeline