39 Sandling Way, St. Marys Island, Chatham, ME4 3AZ

UPRN:200000903960Mid Terrace House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band EEPC: C (72)

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

39 Sandling Way, St. Marys Island, Chatham, ME4 3AZ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£623,000

£560k - £685kMedium

Estimate

£623k

Range

£560k – £685k

Rent Estimate (pcm)

£3,900

£4k - £4k

Monthly

£3,900

Yield

8.51%

Verdict

Derived from HomePortfolio scores

39 Sandling Way earns an INVESTIGATE rating with HP Score 71/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (30/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

30/ 100

Mixed

Transit & Bike

Transit 7Bike 53

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +11.7% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 200000903960· as of 12 Oct 2026
Rental economics26.5/40
gross yield 8.5%; range width penalty ×0.94
- valuation_snapshotsrent estimate 3900/mo (range 3650-4150)· as of 12 Oct 2026· verify before relying on this
Stress margin10.7/30
stressed cash flow +416/mo, +11% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 69 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 2 Nov 2026
Risk & liquidity12.8/15
333 sales/12mo in area; valuation range width 20%
- 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 sensitivityScores 70+ up to £467,500

£412,500£632,500

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£550,000

At the asking price

Monthly rent£3,900/mo

Evidenced range £3,650-£4,150

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: £844/mo
Cash on cash: 5.5%
Score at this price: 50

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.10 - 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 200000903960Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3900/mo (range 3650-4150)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 3900/mo (range 3650-4150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 69 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. Set your walk-away price before viewing - above £467,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£623,000

Rent Estimate (pcm)£3,900

Gross Yield8.51%

1y Growth+19.2%

3y Growth-2.7%

5y Growth-0.4%

10y Growth+3.1%

Last Sold Price£239,000 (2003-01-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1ME4 3AZ

Approval Rate

-12mo

Development

low

MC/26/2085
Retrospective application for replacement and extension of rear existing garden patio area
Pending
MC/26/2048
Removal and replacement of existing cladding systems and associated facade components with non-combustible materials, installation of cavity barriers and fire-stopping, localised remediation to masonry and rendered wall systems, replacement and remediation of glazed spandrel panels, and associated ancillary works.
Pending
MC/26/2016
Advertisement consent for the display of a fascia sign adjacent to entrance door and totem sign adjacent to access road
Pending

View Planning Timeline

Ownership

Corporate Ownership62.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2003-01-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density-

Owner Occupied72%

Age Distribution

0-15 18%16-64 66%65+ 16%

View Area Profile

Schools Nearby

St Mary's Island Church of England (Aided) Primary School
0.3 mi
Good
Waterfront UTC
0.6 mi
Good
MidKent College
0.7 mi
-
Burnt Oak Primary School
0.9 mi
Inspected as Burnt Oak Primary School (URN 131527) on 17 May 2022

5 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

37 Sandling Way
-
£568k
-
19 Sandling Way
-
£557k
-
43 Sandling Way
-
£395k
-
22 Sandling Way
-
£595k
-

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