Dwelling Accommodation, 4–5 Harbour Street, Whitstable, CT5 1AG

UPRN:100062300439Flat/Maisonette2 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: D (60)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Dwelling Accommodation, 4–5 Harbour Street, Whitstable, CT5 1AG

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£225,000

£180k - £270kLow

Estimate

£225k

Range

£180k – £270k

Rent Estimate (pcm)

£950

£850 - £1k

Monthly

£950

Yield

4.96%

Verdict

Derived from HomePortfolio scores

Dwelling Accommodation earns an INVESTIGATE rating with HP Score 80/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (91/100). 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

80/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

91/ 100

Excellent

Transit & Bike

Transit 15Bike 71

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 5.0%; range width penalty ×0.88
- valuation_snapshotsrent estimate 950/mo (range 850-1000)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -402/mo, -42% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 7 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
399 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£230,000

At the asking price

Monthly rent£950/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: -£119/mo
Cash on cash: -2.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - 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_snapshotsrent estimate 950/mo (range 850-1000)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 950/mo (range 850-1000)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£225,000

Rent Estimate (pcm)£950

Gross Yield4.96%

1y Growth-

3y Growth+0.4%

5y Growth+1.0%

10y Growth+2.9%

Last Sold Price£180,000 (2025-09-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1CT5 1AG

Approval Rate

100%12mo

Development

low

CA/26/01833
T1) - Robina Tree, cutting back by about 20% and stopping the overhang into next doors garden/reducing the height.
Pending
CA/26/01817
Second-floor roof extension with balcony following the demolition of existing rooftop structure.
Pending
CA/26/01812
Details submitted pursuant to condition 4 (CEMP) of planning permission CA/25/01821/FUL.
Pending

View Planning Timeline

Ownership

Corporate Ownership70.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2025-09-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,188

Population Density4,261 /km²

Owner Occupied56%

Age Distribution

0-15 13%16-64 65%65+ 22%

View Area Profile

Schools Nearby

ISP School Whitstable
0.2 mi
Good
Westmeads Community Infant School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Whitstable and Seasalter Endowed Church of England Junior School
0.3 mi
Outstanding
St Alphege Church of England Infant School
0.4 mi
GoodImproving

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

View All Schools

Comparables

View All

61 Harbour Street
-
£375k
-
4 Harbour Street
-
£180k
-
5 Harbour Street
-
£310k
-
4 - 5 Harbour Street
-
£135k
-

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