157 Melville Court, Chatham, ME4 4XP

UPRN:44041449Flat/Maisonette2 bedsBuilt 1950-1966

LeaseholdCouncil Tax: Band AEPC: D (65)

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

19 of 21 sources

Sale Estimate

£157,000

£149k - £164kHigh

Estimate

£157k

Range

£149k – £164k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

6.62%

Verdict

Derived from HomePortfolio scores

157 Melville Court earns an INVESTIGATE rating with HP Score 53/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (70/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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)Defra 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

53/ 100

Mixed

Investment Score

55/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

70/ 100

High

Transit & Bike

Transit 10Bike 64

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +7.6% (HIGH), sold-comps +24.9%, £/sqft +24.8%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 44041449· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21%· as of 27 Oct 2026
Rental economics12.3/40
gross yield 6.6%; range width penalty ×0.95
- valuation_snapshotsrent estimate 800/mo (range 750-850)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -154/mo, -19% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 155 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 & liquidity14.7/15
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 sensitivity

£109,000£167,000

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£145,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £45,200
Net cash flow: £64/mo
Cash on cash: 1.7%
Score at this price: 30

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.63 - 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 44041449Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 800/mo (range 750-850)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

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 800/mo (range 750-850)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£157,000

Rent Estimate (pcm)£800

Gross Yield6.62%

1y Growth-

3y Growth-2.7%

5y Growth-0.4%

10y Growth+3.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME4 4XP

Approval Rate

-12mo

Development

low

CAN/26/2019
T1 - Norway Maple - Crown lift to 5 meters to clear the building and garage
Pending
CAN/26/2017
T1 Sycamore (Acer pseudoplatanus) group of medium-sized trees, rear north-western corner of the apartment block. Works: Selectively prune the lateral branches growing towards the building to achieve approximately 2 metres of clearance from the building, where practicable. Prune back to suitable, strong growth points, retaining the natural form and maintaining the health and structural integrity of the trees. Reasons: To reduce the risk of damage to the building and minimise the risk of injury from falling branches within the communal garden areas, whilst maintaining the trees in a healthy and structurally sound condition. T2 Sycamore (Acer pseudoplatanus) Group of approximately 56 young, self-sown trees Along the rear of the first two buildings at Estuary Reach, on the northern side of the development. Works: Fell approximately five to six young, self-sown sycamore trees to ground level.Reasons: The trees have established themselves between the rear of the properties at Estuary Reach and Graham Close. Removal is proposed to prevent potential damage to adjacent property groundworks as the trees develop.
Pending
MC/26/2016
Advertisement consent for the display of a fascia sign adjacent to entrance door and totem sign adjacent to access road
Pending

View Planning Timeline

Ownership

Corporate Ownership62.8%
Overseas OwnershipNo
Lease Term Remaining81 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
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 Density1,162 /km²

Owner Occupied28%

Age Distribution

0-15 17%16-64 78%65+ 5%

View Area Profile

Schools Nearby

Brompton-Westbrook Primary School
0.6 mi
Good
MidKent College
0.7 mi
-
Brompton Academy
0.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Ripplevale School Rochester
0.9 mi
Inspected by ISI

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

View All Schools

Comparables

View All

155 Melville Court
-
£150k
-
198 Melville Court
-
£180k
-
198 Melville Court
-
£120k
-
163 Melville Court
-
£127k
-

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