14 Francis Drive, Chatham, ME5 9LG

UPRN:44043133Semi-Detached House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: C (71)

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

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£362,000

£344k - £380kHigh

Estimate

£362k

Range

£344k – £380k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

6.00%

Verdict

Derived from HomePortfolio scores

14 Francis Drive earns an INVESTIGATE rating with HP Score 79/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (61/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

61/ 100

Moderate

Transit & Bike

Transit 14Bike 47

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£350,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,600-£1,850

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: £30/mo
Cash on cash: 0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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£362,000

Rent Estimate (pcm)£1,750

Gross Yield6.00%

1y Growth-

3y Growth+1.4%

5y Growth+2.5%

10y Growth+3.3%

Last Sold Price£340,000 (2022-12-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME5 9LG

Approval Rate

-12mo

Development

low

26/02036/PDVLR
Prior Notification for Larger Home Extension (Part 1 Class A): Single storey rear extension to a depth of 4m, maximum roof height of 3.2m, and eaves height of 2.4m
Pending
26/503652/FULL
Demolition of the existing conservatory and erection of a single storey rear flat roof extension including 1no. rooflight.
Pending
26/503920/TPOA
TPO Application to remove one (T1) Douglas Fir Tree and to also remove one (T2) European Lach Tree
Pending

View Planning Timeline

Ownership

Corporate Ownership75.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-12-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density3,925 /km²

Owner Occupied87%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

Tunbury Primary School
0.3 mi
Good
Walderslade Primary School
0.4 mi
GoodImproving
Lordswood School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Oaklands School
0.7 mi
Good

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

View All Schools

Comparables

View All

14 Francis Drive
-
£340k
-
11 Francis Drive
-
£330k
-
6 Francis Drive
-
£270k
-
11 Francis Drive
-
£290k
-

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