45 New Road, Rochester, ME1 1DR

UPRN:44038334Semi-Detached House6 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: D (68)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£697,000

£662k - £731kHigh

Estimate

£697k

Range

£662k – £731k

Rent Estimate (pcm)

£3,150

£3k - £3k

Monthly

£3,150

Yield

5.40%

Verdict

Derived from HomePortfolio scores

45 New Road earns an INVESTIGATE rating with HP Score 57/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (93/100). 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

57/ 100

Mixed

Investment Score

53/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 39Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -0.4% (HIGH)] → 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 Oct 2026
- valuation_snapshotsestimate for 44038334· as of 9 Oct 2026
Rental economics2.8/40
gross yield 5.4%; range width penalty ×0.88
- valuation_snapshotsrent estimate 3150/mo (range 2900-3400)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -768/mo, -24% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 257 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 30 Oct 2026
Risk & liquidity14.7/15
335 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 sensitivity

£525,000£805,000

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£700,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,900-£3,400

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: -£182/mo
Cash on cash: -0.9%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - 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 44038334Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3150/mo (range 2900-3400)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 3150/mo (range 2900-3400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 257 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. 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£697,000

Rent Estimate (pcm)£3,150

Gross Yield5.40%

1y Growth-

3y Growth-1.6%

5y Growth+1.1%

10y Growth+3.0%

Last Sold Price£480,000 (2015-10-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0ME1 1DR

Approval Rate

-12mo

Development

low

MC/26/2087
Listed building consent for internal works include upgrade of the thermal value of some walls and the ceiling; Internal division by stud walls to create four business units within use Class E, with kitchenette areas, toilet cubicles; Insulation of the first floor and new stud walls against noise transfer and thermal insulation; Ventilation of toilets by vents with metal covers; Installation of three air conditioning condenser units and run of pipework through the walls to internal fan units; Removal a small mezzanine floor in the loft space.
Pending
MC/26/2086
Construction of internal works include upgrade of the thermal value of some walls and the ceiling; Internal division by stud walls to create four business units within use Class E, with kitchenette areas, toilet cubicles; Insulation of the first floor and new stud walls against noise transfer and thermal insulation; Ventilation of toilets by vents with metal covers; Installation of three air conditioning condenser units and run of pipework through the walls to internal fan units; Removal a small mezzanine floor in the loft space.
Pending
TPA/26/2062
T1, T2 - Fell/dead trees and G1, G2, G3, G4 - Fell/remove all group members. Works required to address physiological and structural concerns highlighted in accompanying arboricultural consultant letter. Request to waive any replant requirement as trees along the top edge of the boundary wall are not suitable and wider tree establishment on the site is achieved through woodland management and the protection and encouragement of natural regeneration.
Pending

View Planning Timeline