Flat 87, Gibson House, Lodge Hill Lane, Chattenden, Rochester, ME3 8PW

UPRN:44042212Flat/Maisonette2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: -EPC: C (80)

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

Flat 87, Gibson House, Lodge Hill Lane, Chattenden, Rochester, ME3 8PW

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£161,000

£153k - £169kHigh

Estimate

£161k

Range

£153k – £169k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

7.35%

Verdict

Derived from HomePortfolio scores

Flat 87 earns an INVESTIGATE rating with HP Score 60/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (28/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

44/ 100

Elevated

Walkability

28/ 100

Low

Transit & Bike

Transit 8Bike 34

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£155,000

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £48,400
Net cash flow: £135/mo
Cash on cash: 3.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.82 - 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£161,000

Rent Estimate (pcm)£950

Gross Yield7.35%

1y Growth-

3y Growth-0.1%

5y Growth+1.7%

10y Growth+3.7%

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

0ME3 8PW

Approval Rate

-12mo

Development

low

MC/26/1511
Alteration of the width and height of existing brick wall to the front/north boundary of the dwelling.
Rejected
MC/26/1401
Application for a Lawful Development Certificate (Existing) for the siting of a residential static caravan
Approved
MC/26/1404
Retrospective application for three existing historic barns, existing workshop, small store, and land to be used in conjunction with land rural management in association with static caravan subject to Existing Lawful Development Certificate Application - MC/26/1401) for the siting of a residential static caravan
Pending

View Planning Timeline

Ownership

Corporate Ownership76.5%
Overseas OwnershipNo
Lease Term Remaining101 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density609 /km²

Owner Occupied69%

Age Distribution

0-15 22%16-64 65%65+ 13%

View Area Profile

Schools Nearby

Chattenden Primary School
0.5 mi
Good
Cliffe Woods Primary School
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
City of Rochester School
1.1 mi
Good
Leigh Academy Hundred of Hoo
1.1 mi
GoodImproving

7 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Gibson House Lodge Hill Lane
-
£163k
-
Gibson House Lodge Hill Lane
-
£167k
-

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