3 Callows Cottages, Poot Lane, Upchurch, Sittingbourne, ME9 7HE

UPRN:10013739552End Terrace HouseBeds -Built before 1900

FreeholdCouncil Tax: -EPC: E (48)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3 Callows Cottages, Poot Lane, Upchurch, Sittingbourne, ME9 7HE

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£569,000

£512k - £625kMedium

Estimate

£569k

Range

£512k – £625k

Rent Estimate (pcm)

£2,450

£2k - £3k

Monthly

£2,450

Yield

Verdict

Derived from HomePortfolio scores

3 Callows Cottages earns an INVESTIGATE rating with HP Score 63/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (13/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

13/ 100

Low

Transit & Bike

Transit 40Bike 24

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

asking price missing or outside scoring range
estimate implies a 97% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

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£17,500

At the asking price

Monthly rent£2,450/mo

Evidenced range £2,200-£2,650

Interest rate5.4%

Loan to value75%

Cash required: £5,675
Net cash flow: £1,637/mo
Cash on cash: 346.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 41.48 - 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£569,000

Rent Estimate (pcm)£2,450

Gross Yield-

1y Growth-

3y Growth-0.9%

5y Growth+1.1%

10y Growth+3.6%

Last Sold Price£325,000 (2010-07-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0ME9 7HE

Approval Rate

-12mo

Development

low

26/502450/LDCEX
Lawful Development (existing) for use of the land and buildings for the storage of materials in connection with the running of a carpentry business
Pending

View Planning Timeline

Ownership

Corporate Ownership74.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2010-07-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

26 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,647

Population Density121 /km²

Owner Occupied92%

Age Distribution

0-15 19%16-64 62%65+ 19%

View Area Profile

Schools Nearby

Holywell Primary School
0.8 mi
Good
Lower Halstow Primary School
1.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Newington Church of England Primary School
2.1 mi
-
Riverside Primary School
2.2 mi
Good

6 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1 Callows Cottages
-
£390k
-
3 Callows Cottages
-
£325k
-
Callows House Ham Green
-
£160k
-

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