Apartment 4, 41 Central Parade, Herne Bay, CT6 5HZ

UPRN:10094583403Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band DEPC: B (84)

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

Apartment 4, 41 Central Parade, Herne Bay, CT6 5HZ

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

£345,000

£328k - £362kHigh

Estimate

£345k

Range

£328k – £362k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

6.34%

Verdict

Derived from HomePortfolio scores

Apartment 4 earns an INVESTIGATE rating with HP Score 75/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (93/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

44/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 14Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -1.4% (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 10094583403· as of 9 Oct 2026
Rental economics10/40
gross yield 6.3%; 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 -247/mo, -13% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 235 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 6 Nov 2026
Risk & liquidity14.7/15
447 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

£262,500£402,500

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£350,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,700-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: £100/mo
Cash on cash: 1.0%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.57 - 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 10094583403Valuation 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 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 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)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£345,000

Rent Estimate (pcm)£1,850

Gross Yield6.34%

1y Growth-

3y Growth-0.4%

5y Growth+0.7%

10y Growth+2.9%

Last Sold Price£307,500 (2019-10-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CT6 5HZ

Approval Rate

-12mo

Development

low

CA/26/01776
Installation of 16 solar panels to front roof slope together with installation of EV charging point.
Pending
CA/26/01770
Replacement front timber windows to white uPVC (retrospective).
Pending
CA/26/01774
Retrospective application for installation of security roller shutter to front elevation, replacement first floor window from timber to UPVC to front elevation and part change of use from commercial to residential.
Pending

View Planning Timeline

Ownership

Corporate Ownership70.5%
Overseas OwnershipNo
Lease Term Remaining142 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-10-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,188

Population Density8,571 /km²

Owner Occupied42%

Age Distribution

0-15 15%16-64 62%65+ 23%

View Area Profile

Schools Nearby

Herne Bay Junior School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Herne Bay Infant School
0.4 mi
-
Herne Bay High School
1.1 mi
Good
Hampton Primary School
1.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

45 Central Parade
-
£140k
-
39 Central Parade
-
£325k
-
41 Central Parade
-
£86k
-
45 Central Parade
-
£155k
-

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