Basement, 41 Harmer Street, Gravesend, DA12 2AP

UPRN:10012015802Flat/Maisonette1 bedsBuilt before 1900

Tenure: -Council Tax: -EPC: E (50)

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

Basement, 41 Harmer Street, Gravesend, DA12 2AP

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£148,000

£118k - £177kLow

Estimate

£148k

Range

£118k – £177k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

9.82%

Verdict

Derived from HomePortfolio scores

Basement earns an INVESTIGATE rating with HP Score 62/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (96/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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

62/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

76/ 100

Elevated

Walkability

96/ 100

Excellent

Transit & Bike

Transit 26Bike 59

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 economics37.7/40
gross yield 9.8%; range width penalty ×0.98; the estimate this rent rides on sits 26% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 900/mo (range 850-950)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 26% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin6.8/30
stressed cash flow +61/mo, +7% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); passes the stress
- listing_factsservice charge / ground rent from the advert· as of 31 Oct 2026
Risk & liquidity9.3/15
389 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£110,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £252/mo
Cash on cash: 8.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.42 - 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_snapshotsrent estimate 900/mo (range 850-950)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 26% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 31 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 31 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

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 900/mo (range 850-950)

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. 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£148,000

Rent Estimate (pcm)£900

Gross Yield9.82%

1y Growth-

3y Growth+0.1%

5y Growth+1.9%

10y Growth+3.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningSignificant
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0DA12 2AP

Approval Rate

-12mo

Development

low

20261076
Application for the approval of condition (12) Noise Impact Assessment and condition (13) Internal Noise Survey attached to planning permission reference number 20240687.
Pending
20261063
Works to Tree(s) in a Conservation Area; Cedar fell to ground level due to substantial lean towards property and tree being of poor quality.
Pending
20261059
Application for the approval of condition 9 Part B and C (Archaeology Watching Brief and Report) attached to planning reference number 20250167.
Pending

View Planning Timeline

Ownership

Corporate Ownership70%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,065

Population Density-

Owner Occupied26%

Age Distribution

0-15 20%16-64 69%65+ 11%

View Area Profile

Schools Nearby

Pier View Academy
0.1 mi
Good
Chantry Community Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Holy Trinity Church of England Primary School
0.3 mi
Good
Bronte School
0.4 mi
Inspected by ISI

6 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

29 Harmer Street
-
£400k
-
43 Harmer Street
-
£77k
-
3 - 5 Harmer Street
-
£160k
-
31 Harmer Street
-
£190k
-

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