Barn Cottage, Church Farm Estate, Church Street, West Stour, Gillingham, SP8 5FT

UPRN:10013274284Detached House1 bedsBuilt 2003-2006

FreeholdCouncil Tax: -EPC: C (69)

Data freshness:Price Paid· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

Barn Cottage, Church Farm Estate, Church Street, West Stour, Gillingham, SP8 5FT

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£1,255,000

£1.00M - £1.51MLow

Estimate

£1.25M

Range

£1.00M – £1.51M

Rent Estimate (pcm)

£3,800

£3k - £4k

Monthly

£3,800

Yield

14.03%

Verdict

Derived from HomePortfolio scores

Barn Cottage earns an INVESTIGATE rating with HP Score 64/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (16/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

16/ 100

Low

Transit & Bike

Transit 3Bike 19

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£325,000

At the asking price

Monthly rent£3,800/mo

Evidenced range £3,300-£4,300

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: £1,534/mo
Cash on cash: 17.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.46 - 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£1,255,000

Rent Estimate (pcm)£3,800

Gross Yield14.03%

1y Growth-

3y Growth-2.0%

5y Growth+0.6%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

1SP8 5FT

Approval Rate

100%12mo

Development

low

P/NMA/2026/05146
Non material amendment - alter condition no. 3 to show a 3 year period, ending the consent in 2029 and not 2028 to planning permission P/FUL/2026/02370 (Erection of a temporary mobile home for an agricultural worker)
Approved
P/VOC/2026/04907
Change of use of land from agricultural to residential. Erect garage workshop with home office above (With Variation of condition 2 of planning permission P/FUL/2023/06044 to amend approved plans).
Approved
P/FUL/2026/02370
Erection of a temporary mobile home for an agricultural worker.
Approved

View Planning Timeline

Ownership

Corporate Ownership64.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,444

Population Density-

Owner Occupied82%

Age Distribution

0-15 12%16-64 54%65+ 34%

View Area Profile

Schools Nearby

Stower Provost Community School
1.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Mary's Catholic Primary School, Marnhull
1.8 mi
Good
Wyke Primary School
2.3 mi
Inspected as Wyke Primary School (URN 113743) on 18 May 2022
St Gregory's Church of England Primary School, Marnhull
2.6 mi
Inspected as St Gregory's Church of England Primary School, Marnhull (URN 113805) on 8 Nov 2022

1 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Church Farm Estate Church Street
-
£965k
-
Church Farm Estate Church Street
-
£340k
-
Church Farm Estate Church Street
-
£830k
-
Church Farm Estate Church Street
-
£713k
-

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