81 Church Road, Murston, Sittingbourne, ME10 3RT

UPRN:10096397801Detached House4 bedsBuilt 2017

FreeholdCouncil Tax: Band EEPC: B (90)

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

81 Church Road, Murston, Sittingbourne, ME10 3RT

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£265,000

£212k - £318kLow

Estimate

£265k

Range

£212k – £318k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

3.83%

Verdict

Derived from HomePortfolio scores

81 Church Road earns an INVESTIGATE rating with HP Score 78/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (91/100). 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)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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

59/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

91/ 100

Excellent

Transit & Bike

Transit 9Bike 73

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.8%; range width penalty ×0.84
- valuation_snapshotsrent estimate 1100/mo (range 1000-1200)· as of 10 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -777/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 10 Nov 2026
Risk & liquidity9.2/15
599 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£345,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,000-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £112,050
Net cash flow: -£403/mo
Cash on cash: -4.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - 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_snapshotsrent estimate 1100/mo (range 1000-1200)Rental economics · as of 10 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1100/mo (range 1000-1200)

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£265,000

Rent Estimate (pcm)£1,100

Gross Yield3.83%

1y Growth-4.2%

3y Growth-0.5%

5y Growth+2.8%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1ME10 3RT

Approval Rate

-12mo

Development

low

26/504101/LAWPRO
Lawful development certificate for proposed use of existing dwelling (Class C3) as a children's home for two children, supported by two daytime care staff and one single waking-night worker overnight.
Pending
26/503968/FULL
Erection of garden outbuilding.
Pending
26/503860/NMAMD
Non-Material Amendment to 25/500603/FULL: To allow amendment to PV array layout.
Pending

View Planning Timeline