28 The Fields, Hoo, Rochester, ME3 9FW

UPRN:44013790Semi-Detached House2 bedsBuilt 2007-2011

FreeholdCouncil Tax: Band CEPC: C (78)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£274,000

£260k - £288kHigh

Estimate

£274k

Range

£260k – £288k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

5.67%

Verdict

Derived from HomePortfolio scores

28 The Fields earns an INVESTIGATE rating with HP Score 71/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (39/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

39/ 100

Mixed

Transit & Bike

Transit 6Bike 42

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£275,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £87,550
Net cash flow: -£28/mo
Cash on cash: -0.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.40 - 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£274,000

Rent Estimate (pcm)£1,300

Gross Yield5.67%

1y Growth+99.7%

3y Growth-0.1%

5y Growth+1.7%

10y Growth+3.7%

Last Sold Price£235,000 (2017-05-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME3 9FW

Approval Rate

-12mo

Development

low

TPA/26/2101
T1 - Oak - Crown reduction by 30% reducing height and spread from 16.5m to 11.5m
Pending
MC/26/2042
Application for a non-material amendment to planning permission MC/24/2403 for alterations to the layout including relocation of the sub-station, amendments to the kerb lines, relocation of the visitor space opposite plot 92 and proposed tree relocations
Conditions
MC/26/1743
Application for a Non-Material Amendment on planning permission MC/19/3129 - amendment to the wording of condition 10 to require provision of the approved play area prior to occupation of the 38th dwelling on site.
Conditions

View Planning Timeline