41 The Wharf, Dock Head Road, Chatham, ME4 4ZN

UPRN:44004683Flat/Maisonette2 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band EEPC: C (72)

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

41 The Wharf, Dock Head Road, Chatham, ME4 4ZN

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£222,000

£200k - £244kMedium

Estimate

£222k

Range

£200k – £244k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

6.57%

Verdict

Derived from HomePortfolio scores

41 The Wharf earns an INVESTIGATE rating with HP Score 51/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (55/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

51/ 100

Mixed

Investment Score

57/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

55/ 100

Moderate

Transit & Bike

Transit 12Bike 61

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£210,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: £87/mo
Cash on cash: 1.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.62 - clears 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£222,000

Rent Estimate (pcm)£1,150

Gross Yield6.57%

1y Growth-

3y Growth-2.7%

5y Growth-0.4%

10y Growth+3.1%

Last Sold Price£217,500 (2017-06-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME4 4ZN

Approval Rate

-12mo

Development

low

MC/26/2085
Retrospective application for replacement and extension of rear existing garden patio area
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
CAN/26/1996
T1 - Tilia europaea 3m crown lift from ground level, over carpark. Prune away from CCTV pole. T2 - Tilia europaea 3m crown lift from ground level, over carpark. T3- Tilia europaea 3m crown lift from ground level, over carpark. T4 - Tilia europaea 3m crown lift from ground level, over carpark. T5 - Tilia europaea 3m crown lift from ground level, over carpark. Prune away from CCTV pole.
Pending

View Planning Timeline

Ownership

Corporate Ownership62.8%
Overseas OwnershipNo
Lease Term Remaining119 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-06-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density1,162 /km²

Owner Occupied28%

Age Distribution

0-15 17%16-64 78%65+ 5%

View Area Profile

Schools Nearby

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

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

View All Schools

Comparables

View All

The Wharf Dock Head Road
-
£155k
-
The Wharf Dock Head Road
-
£250k
-
The Wharf Dock Head Road
-
£152k
-
The Wharf Dock Head Road
-
£150k
-

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