Flat 19, Cunningham House, St Margarets Street, Rochester, ME1 1YZ

UPRN:44011027Flat/Maisonette2 bedsBuilt 1967-1975

LeaseholdCouncil Tax: -EPC: C (78)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

Flat 19, Cunningham House, St Margarets Street, Rochester, ME1 1YZ

HP Score

/ 100

Mixed

Verdict

3 days ago

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

18 of 21 sources

Sale Estimate

£194,000

£175k - £214kMedium

Estimate

£194k

Range

£175k – £214k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

16.80%

Verdict

Derived from HomePortfolio scores

Flat 19 earns an AVOID rating with HP Score 57/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (75/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

75/ 100

High

Transit & Bike

Transit 16Bike 51

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
estimate implies a 61% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

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£75,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £23,800
Net cash flow: £474/mo
Cash on cash: 23.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.15 - 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£194,000

Rent Estimate (pcm)£1,050

Gross Yield16.80%

1y Growth-

3y Growth-1.6%

5y Growth+1.1%

10y Growth+3.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME1 1YZ

Approval Rate

-12mo

Development

low

CAN/26/2115
T1 - Maple Sycamore - Fell
Pending
MC/26/2121
Listed building consent for reduction in height of existing chimney and adjacent parapet wall
Pending
MC/26/2088
Listed building consent for removal of an existing sash window within staircase and replacement of an existing casement window within staircase of No.1
Pending

View Planning Timeline

Ownership

Corporate Ownership65.5%
Overseas OwnershipNo
Lease Term Remaining37 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density-

Owner Occupied45%

Age Distribution

0-15 12%16-64 70%65+ 18%

View Area Profile

Schools Nearby

St Andrew's School (Rochester)
0.2 mi
Inspected by ISI
St Margaret's at Troy Town CofE Voluntary Controlled Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
King's School, Rochester
0.4 mi
Inspected by ISI
Rochester Independent College
0.5 mi
Inspected by ISI

6 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Cunningham House St Margarets Street
-
£120k
-
Cunningham House St Margarets Street
-
£184k
-
Cunningham House St Margarets Street
-
£190k
-
Cunningham House St Margarets Street
-
£197k
-

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