23 Monarch Drive, Kemsley, Sittingbourne, ME10 2GE

UPRN:10013740700Mid Terrace House3 bedsBuilt 2003-2006

FreeholdCouncil Tax: -EPC: C (73)

23 Monarch Drive, Kemsley, Sittingbourne, ME10 2GE

HP Score

Not available

Verdict

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

Evidence

17 of 21 sources

Sale Estimate

£323,000

£307k - £339kHigh

Estimate

£323k

Range

£307k – £339k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

7.40%

Verdict

Derived from HomePortfolio scores

23 Monarch Drive earns an INVESTIGATE rating; it has no HP Score yet. Walkability is limited (32/100). 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 addressWalk 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

No data

Investment Score

No data

Crime Score

No data

Walkability

32/ 100

Mixed

Transit & Bike

Transit 16Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 28 Oct 2026

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

Valuation edge0/15
claims [AVM +7.1% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10013740700· as of 9 Oct 2026
Rental economics17.9/40
gross yield 7.4%; range width penalty ×0.93
- valuation_snapshotsrent estimate 1850/mo (range 1700-1950)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -36/mo, -2% 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 28 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 64 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 28 Oct 2026
Risk & liquidity5.7/15
valuation range width 10%
- 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

£225,000£345,000

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£300,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,700-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: £268/mo
Cash on cash: 3.3%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.83 - 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_snapshotsestimate for 10013740700Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1850/mo (range 1700-1950)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 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
rent estimate 1850/mo (range 1700-1950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 64 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£323,000

Rent Estimate (pcm)£1,850

Gross Yield7.40%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price£217,500 (2018-09-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-ME10 2GE

Approval Rate

-12mo

Development

26/503783/SUB
Submission of details pursuant to condition 15 - Archaeological field evaluation, Subject to 23/505752/FULL
Pending
26/503284/FULL
Erection of a two storey side extension, part single storey and part two storey rear and single storey front extension to increase ground floor commercial space and addition of 2 bed flat.
Pending
26/503383/FULL
Erection of a single-storey side/rear infill extension.
Pending

View Planning Timeline