24 Semple Gardens, Chatham, ME4 6QD

UPRN:44038039Mid Terrace House2 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band CEPC: C (71)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£249,000

£236k - £261kHigh

Estimate

£249k

Range

£236k – £261k

Rent Estimate (pcm)

£1,550

£2k - £2k

Monthly

£1,550

Yield

7.44%

Verdict

Derived from HomePortfolio scores

24 Semple Gardens earns an INVESTIGATE rating with HP Score 72/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (77/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

39/ 100

Elevated

Walkability

77/ 100

High

Transit & Bike

Transit 26Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 3 Nov 2026

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

Valuation edge2.5/15
claims [AVM -0.4% (HIGH), sold-comps +16.1%, £/sqft +16.2%] → measured edge +0.50pp 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 10 Oct 2026
- valuation_snapshotsestimate for 44038039· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%· as of 1 Nov 2026
Rental economics19.5/40
gross yield 7.4%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1550/mo (range 1500-1650)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -45/mo, -3% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 122 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 3 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 £187,500

£187,500£287,500

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£250,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,500-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £229/mo
Cash on cash: 3.5%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.84 - 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 44038039Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1550/mo (range 1500-1650)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 1550/mo (range 1500-1650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 122 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 £187,500 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£249,000

Rent Estimate (pcm)£1,550

Gross Yield7.44%

1y Growth-

3y Growth-2.7%

5y Growth-0.4%

10y Growth+3.1%

Last Sold Price£127,000 (2005-10-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME4 6QD

Approval Rate

-12mo

Development

low

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
MC/26/2068
Change of use of existing dwellinghouse (Class C3) to residential institution (Class C2) together with use of the existing outdoor building as a sensory space
Pending

View Planning Timeline

Ownership

Corporate Ownership62.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-10-13
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 Density6,226 /km²

Owner Occupied52%

Age Distribution

0-15 24%16-64 65%65+ 11%

View Area Profile

Schools Nearby

Balfour Junior School
0.1 mi
Good
St John Fisher Catholic Comprehensive School
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Blue Skies School
0.3 mi
Good
St John's Church of England Infant School
0.3 mi
Good

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

View All Schools

Comparables

View All

26 Semple Gardens
-
£170k
-
20 Semple Gardens
-
£155k
-
36 Semple Gardens
-
£157k
-
13 Semple Gardens
-
£250k
-

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