313 Dale Street, Chatham, ME4 6QR

UPRN:44037540Mid Terrace House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: C (69)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£279,000

£265k - £293kHigh

Estimate

£279k

Range

£265k – £293k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

7.78%

Verdict

Derived from HomePortfolio scores

313 Dale Street earns an INVESTIGATE rating with HP Score 61/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (71/100). 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

61/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

69/ 100

Elevated

Walkability

71/ 100

High

Transit & Bike

Transit 28Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 6 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +3.2% (HIGH), sold-comps -6.7%, £/sqft -6.6%] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 44037540· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.8%· as of 24 Oct 2026
Rental economics21.6/40
gross yield 7.8%; range width penalty ×0.97
- valuation_snapshotsrent estimate 1750/mo (range 1650-1850)· as of 9 Nov 2026· verify before relying on this
Stress margin1/30
stressed cash flow +17/mo, +1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 83 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 6 Nov 2026
Risk & liquidity14.6/15
333 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivityScores 70+ up to £202,500

£202,500£310,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£270,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,650-£1,850

Interest rate5.4%

Loan to value75%

Cash required: £85,800
Net cash flow: £300/mo
Cash on cash: 4.2%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.92 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 44037540Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.8%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 1750/mo (range 1650-1850)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1750/mo (range 1650-1850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 83 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Set your walk-away price before viewing - above £202,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£279,000

Rent Estimate (pcm)£1,750

Gross Yield7.78%

1y Growth-

3y Growth-2.7%

5y Growth-0.4%

10y Growth+3.1%

Last Sold Price£173,500 (2006-09-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1ME4 6QR

Approval Rate

100%12mo

Development

low

TPA/26/2117
T89.1 Remove & re-plant (due to continued decline and presence of fungal fruiting bodies) T31 as per attached report T67 as per attached report T75 as per attached report T83 as per attached report T102 as per attached report T162 as per attached report
Pending
MC/26/2089
Construction of a single storey side and part rear infill wraparound extension (Demolition of existing conservatory)
Pending
MC/26/2070
Application for a Lawful Development Certificate ( Proposed) For the change of use from Use Class (C2) residential institution to Class (Ef) - creche, day nursery or day centre for up to 4 young adults with disabilities
Pending

View Planning Timeline

Ownership

Corporate Ownership62.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-09-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density8,627 /km²

Owner Occupied73%

Age Distribution

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

View Area Profile

Schools Nearby

Balfour Junior School
0.1 mi
Good
Balfour Infant School
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Blue Skies School
0.3 mi
Good
Holcombe Grammar School
0.4 mi
Good

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

View All Schools

Comparables

View All

303 Dale Street
-
£220k
-
321 Dale Street
-
£230k
-
278 Dale Street
-
£205k
-
297 Dale Street
-
£275k
-

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