4 St Helens Road, Cliffe, Rochester, ME3 7EY

UPRN:44017618Semi-Detached House2 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band CEPC: C (69)

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

4 St Helens Road, Cliffe, Rochester, ME3 7EY

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£329,000

£296k - £362kMedium

Estimate

£329k

Range

£296k – £362k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

6.43%

Verdict

Derived from HomePortfolio scores

4 St Helens Road earns an INVESTIGATE rating with HP Score 68/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (27/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

27/ 100

Low

Transit & Bike

Transit 4Bike 28

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£280,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,400-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: £93/mo
Cash on cash: 1.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.59 - 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£329,000

Rent Estimate (pcm)£1,500

Gross Yield6.43%

1y Growth-

3y Growth-0.1%

5y Growth+1.7%

10y Growth+3.7%

Last Sold Price£145,000 (2004-01-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME3 7EY

Approval Rate

-12mo

Development

low

MC/26/1964
Application for a Lawful Development Certificate (proposed) for the construction of a dormer to rear together with the construction of 2x out buildings to rear - (Demolition of existing shed and garage)
Approved
MC/26/1764
Construction of a single storey side garage extension - demolition of existing detached garage
Pending
MC/26/1739
Neighbourhood consultation application for the construction of a single storey extension to rear The details submitted are as follows: The extension will extend beyond the rear wall of the original dwelling by 6m The maximum height of the proposed extension from the natural ground level is 3.6m The height at eaves level of the proposed extension measured from the natural ground level is 3.3m
Conditions

View Planning Timeline

Ownership

Corporate Ownership76.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2004-01-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density107 /km²

Owner Occupied88%

Age Distribution

0-15 17%16-64 63%65+ 20%

View Area Profile

Schools Nearby

St Helen's Church of England Primary School, Cliffe
0.2 mi
-
Cliffe Woods Primary School
1.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
City of Rochester School
1.8 mi
Good
Leigh Academy High Halstow
2.9 mi
Outstanding

6 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

11 St Helens Road
-
£595k
-
12 St Helens Road
-
£370k
-
1 St Helens Road
-
£278k
-
12 St Helens Road
-
£236k
-

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