96A Harbour Parade, Ramsgate, CT11 8LP

UPRN:100062099413Flat/Maisonette2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: C (78)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£139,000

£125k - £153kMedium

Estimate

£139k

Range

£125k – £153k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

4.97%

Verdict

Derived from HomePortfolio scores

96A Harbour Parade earns an INVESTIGATE rating with HP Score 52/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (90/100). 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 listingsMarket 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

52/ 100

Mixed

Investment Score

53/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

90/ 100

Excellent

Transit & Bike

Transit 21Bike 72

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -4.3% (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 9 Nov 2026
- valuation_snapshotsestimate for 100062099413· as of 9 Nov 2026
Rental economics11.6/40
gross yield 6.5% on contractual rent (listing-disclosed tenancy); contractual 1100/mo far above the 600/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1100/mo (tenanted)· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -168/mo, -22% 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), 96 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
353 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

£109,000£167,000

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£145,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £45,200
Net cash flow: -£74/mo
Cash on cash: -2.0%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - 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 100062099413Valuation edge · as of 9 Nov 2026
listing_factscontractual rent 1100/mo (tenanted)Rental economics · as of 4 Nov 2026 · verify before relying on this
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
Rental economics needs verification before you rely on it
contractual rent 1100/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 96 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 →

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. 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£139,000

Rent Estimate (pcm)£600

Gross Yield4.97%

1y Growth-

3y Growth-4.6%

5y Growth-0.2%

10y Growth+3.3%

Last Sold Price£155,000 (2016-03-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CT11 8LP

Approval Rate

-12mo

Development

low

TCA/TH/26/0793
2No Date Palms (T1, T2) - Fell
Pending
TPO/TH/26/0724
TH/TPO/6(2005) - 1 No. Norway Red Maple (T1) - 4.5 metre crown lift, 2-3 metre crown reduction.
Pending
L/TH/26/0717
Application for Listed Building Consent for external works including replacement roof tiles and flashings, replacement gutters and installation of downpipe to front, installation of access hatch to roof, and installation of rear rooflight, together with internal works including replacement flooring to fourth floor and installation of waste pipe (Part-retrospective)
Pending

View Planning Timeline

Ownership

Corporate Ownership70%
Overseas OwnershipNo
Lease Term Remaining112 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-03-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,323

Population Density7,766 /km²

Owner Occupied22%

Age Distribution

0-15 19%16-64 65%65+ 16%

View Area Profile

Schools Nearby

Chatham & Clarendon Grammar School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
The Old Priory School
0.5 mi
Good
Priory Infant School
0.5 mi
Good
St Ethelbert's Catholic Primary School and Nursery
0.5 mi
-

3 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

96A Harbour Parade
-
£155k
-
Custom House Harbour Parade
-
£760k
-
110 - 114 Harbour Parade
-
£86k
-

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