12 Thirlmere Close, Wainscott, Rochester, ME2 4PA

UPRN:44029168Semi-Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band DEPC: C (69)

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

12 Thirlmere Close, Wainscott, Rochester, ME2 4PA

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

£424,000

£403k - £446kHigh

Estimate

£424k

Range

£403k – £446k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

8.67%

Verdict

Derived from HomePortfolio scores

12 Thirlmere Close earns an INVESTIGATE rating with HP Score 72/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (46/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

46/ 100

Mixed

Transit & Bike

Transit 24Bike 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

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£270,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,800-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £85,800
Net cash flow: £439/mo
Cash on cash: 6.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.14 - 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£424,000

Rent Estimate (pcm)£1,950

Gross Yield8.67%

1y Growth-

3y Growth+0.0%

5y Growth+1.4%

10y Growth+2.9%

Last Sold Price£340,000 (2019-08-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME2 4PA

Approval Rate

-12mo

Development

low

MC/26/2060
Details pursuant to condition 8 (Refuse management strategy) on planning permission MC/26/0606 for change of use of existing dwellinghouse (Class C3) to a 4-bedroom, 5-person house in multiple occupation (Class C4) together with construction of an L-shaped dormer window to rear and installation of roof lights to front to provide additional living accommodation within roof space and construction of single storey rear extensions
Pending
MC/26/2057
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 5m The maximum height of the proposed extension from the natural ground level is 2.82 m The height at eaves level of the proposed extension measured from the natural ground level is 2.82 m
Pending
MC/26/2010
Excavation to existing basement, and construction of bigger light well serving basement along with internal changes to a habitable space
Pending

View Planning Timeline

Ownership

Corporate Ownership62%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-08-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density1,220 /km²

Owner Occupied83%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

Hilltop Primary School
0.1 mi
Good
Temple Mill Primary School
0.2 mi
Good
English Martyrs' Catholic Primary School
0.4 mi
Inspected as English Martyrs' Catholic Primary School (URN 118766) on 12 Jul 2023
Maritime Academy
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

5 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

6 Thirlmere Close
-
£380k
-
13 Thirlmere Close
-
£425k
-
11 Thirlmere Close
-
£370k
-
12 Thirlmere Close
-
£340k
-

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