18 Clayhill Gardens, Hoo, Rochester, ME3 9FA

UPRN:44037310Semi-Detached House3 bedsBuilt -

FreeholdCouncil Tax: Band DEPC: B (84)

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

18 Clayhill Gardens, Hoo, Rochester, ME3 9FA

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

£399,000

£379k - £419kHigh

Estimate

£399k

Range

£379k – £419k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

11.68%

Verdict

Derived from HomePortfolio scores

18 Clayhill Gardens earns an INVESTIGATE rating with HP Score 72/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (35/100). 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

72/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

35/ 100

Mixed

Transit & Bike

Transit 9Bike 38

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£190,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,700-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £640/mo
Cash on cash: 12.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.88 - 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£399,000

Rent Estimate (pcm)£1,850

Gross Yield11.68%

1y Growth-

3y Growth-0.1%

5y Growth+1.7%

10y Growth+3.7%

Last Sold Price£320,000 (2018-09-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME3 9FA

Approval Rate

-12mo

Development

low

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
MC/26/1717
Construction of a drop kerb and new driveway
Pending

View Planning Timeline