2 The Bungalow, Lomas Road, Bapchild, Sittingbourne, ME9 9BD

UPRN:10035061471Semi-Detached Bungalow2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: E (47)

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

2 The Bungalow, Lomas Road, Bapchild, Sittingbourne, ME9 9BD

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£314,000

£251k - £376kLow

Estimate

£314k

Range

£251k – £376k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

2.16%

Verdict

Derived from HomePortfolio scores

2 The Bungalow earns an INVESTIGATE rating with HP Score 58/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (20/100). 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 listingsMarket 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

20/ 100

Low

Transit & Bike

Transit 40Bike 48

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£640,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,050-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £215,300
Net cash flow: -£1,364/mo
Cash on cash: -7.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.53 - below 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£314,000

Rent Estimate (pcm)£1,150

Gross Yield2.16%

1y Growth-

3y Growth-0.9%

5y Growth+1.1%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ME9 9BD

Approval Rate

-12mo

Development

low

26/504158/MOD106
Modification of Planning Obligation under Section 106 dated 22 December 2017 relating to 14/501588/OUT, to modify affordable housing clauses 1.1, 3.9 Schedule 2 Part 3, and 3.12 Schedule 2 Part 3 to allow the 17 shared ownership apartments to be converted to social rent apartments.
Pending
26/504056/REM
Approval of Reserved Matters for Phases 1 and 2 (layout, appearance, scale and landscaping) for the erection of 178no. residential dwellings, comprising market and affordable dwellings, and 446sqm of non-residential floorspace (Use Class E/F), public open space, parking, drainage infrastructure and associated works pursuant to 22/502834/EIOUT (as amended by 24/502902/NMAMD).
Pending
26/504120/SUB
Submission of details pursuant to condition 9 (ecological mitigation strategy) subject to application 22/502834/EIOUT (Allowed on appeal APP/V2255/W/23/3318509).
Pending

View Planning Timeline

Ownership

Corporate Ownership74.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,647

Population Density173 /km²

Owner Occupied59%

Age Distribution

0-15 21%16-64 64%65+ 15%

View Area Profile

Schools Nearby

Lansdowne Primary School
0.4 mi
Good
Bapchild and Tonge Church of England Primary School and Nursery
0.5 mi
-
Sunny Bank Primary School
0.6 mi
Good
Meadowfield School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

Bungalow, 2 Lomas Road
-
£140k
-
The Gatehouse Lomas Road
-
£245k
-
The Gatehouse Lomas Road
-
£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