4 Spinel Close, Sittingbourne, ME10 5AH

UPRN:10023199649Semi-Detached House3 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band DEPC: C (79)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£308,000

£292k - £323kHigh

Estimate

£308k

Range

£292k – £323k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

3.73%

Verdict

Derived from HomePortfolio scores

4 Spinel Close earns an INVESTIGATE rating with HP Score 77/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (60/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

70/ 100

High

Crime Score

17/ 100

Moderate

Walkability

60/ 100

Moderate

Transit & Bike

Transit 14Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -46.1% (HIGH), sold-comps -16.9%, £/sqft -16.8%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10023199649· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%· as of 1 Nov 2026
Rental economics0/40
gross yield 3.7%; range width penalty ×0.91
- valuation_snapshotsrent estimate 1400/mo (range 1300-1500)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -999/mo, -71% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 40 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 4 Nov 2026
Risk & liquidity14.6/15
599 sales/12mo in area; 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

£337,500£517,500

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£450,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,300-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£550/mo
Cash on cash: -4.4%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.92 - 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_snapshotsestimate for 10023199649Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1400/mo (range 1300-1500)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

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 1400/mo (range 1300-1500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 40 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. 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£308,000

Rent Estimate (pcm)£1,400

Gross Yield3.73%

1y Growth-

3y Growth-0.5%

5y Growth+2.8%

10y Growth+3.3%

Last Sold Price£215,000 (2015-06-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME10 5AH

Approval Rate

-12mo

Development

low

26/504030/FULL
Use of part of existing Wickes retail car park for the display and sale of cars, together with the siting of a car sales pod. (Retrospective).
Pending
26/503841/LAWPRO
Lawful Development Certificate for a proposed ground floor rear extension.
Pending
26/503251/TPOA
Tree Preservation Order Application: T2 Horse Chestnut - Remove trunk and basal suckers to the first main branches (up to 5m approx from ground level). Cut and remove Ivy growth from around main trunk. T3 Horse Chestnut - Remove trunk and basal suckers to the first main branches (up to 5m approx from ground level). Cut and remove ivy growth from around main trunk. Cut back branches to give a clearance of no more than 3m from the building. Both T2 & T3 before height 16m, spread 10m approx. T2 after no change, height 16m, spread 10m approx, - T3 after height no change 16m, spread 8m approx.
Approved

View Planning Timeline

Ownership

Corporate Ownership65.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-06-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

2 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,647

Population Density-

Owner Occupied71%

Age Distribution

0-15 25%16-64 61%65+ 14%

View Area Profile

Schools Nearby

Aspire School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Grove Park Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bobbing Village School
0.2 mi
Requires improvementConcerns
Westlands School
0.6 mi
Good

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

6 Spinel Close
-
£280k
-
4 Spinel Close
-
£215k
-
9 Spinel Close
-
£168k
-
5 Spinel Close
-
£205k
-

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