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

UPRN:44004705Purpose Built Flat2 bedsBuilt 2007 onwards

LeaseholdCouncil Tax: Band EEPC: C (77)

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

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£225,000

£214k - £236kHigh

Estimate

£225k

Range

£214k – £236k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

6.90%

Verdict

Derived from HomePortfolio scores

63 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

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

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

Valuation edge0/15
claims [AVM +11.1% (HIGH), sold-comps -3.6%, £/sqft -3.8%] → 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 10 Oct 2026
- valuation_snapshotsestimate for 44004705· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 20.5%· as of 1 Nov 2026
Rental economics14.3/40
gross yield 6.9%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1150/mo (range 1100-1250)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -174/mo, -15% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 79 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 & liquidity14.7/15
333 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

£150,000£230,000

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£200,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £121/mo
Cash on cash: 2.3%
Score at this price: 29

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.70 - 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 44004705Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 20.5%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1150/mo (range 1100-1250)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 1150/mo (range 1100-1250)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 79 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. 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. 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£225,000

Rent Estimate (pcm)£1,150

Gross Yield6.90%

1y Growth-

3y Growth-2.7%

5y Growth-0.4%

10y Growth+3.1%

Last Sold Price£227,500 (2018-04-05)

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 Change2018-04-05
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