31 Montgomery Avenue, Chatham, ME5 0HA

UPRN:44047937Semi-Detached House2 bedsBuilt 1950-1966

FreeholdCouncil Tax: -EPC: C (70)

HP Score

Not available

Verdict

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

Evidence

15 of 21 sources

Sale Estimate

£274,000

£246k - £301kMedium

Estimate

£274k

Range

£246k – £301k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

5.89%

Verdict

Derived from HomePortfolio scores

31 Montgomery Avenue earns an INVESTIGATE rating; it has no HP Score yet. Walkability is limited (58/100). 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 NationsMarket estimates (third-party AVM)HM Land Registry sales matched to addressWalk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

No data

Investment Score

No data

Crime Score

No data

Walkability

58/ 100

Moderate

Transit & Bike

Transit 23Bike 55

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£265,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £84,050
Net cash flow: £6/mo
Cash on cash: 0.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.45 - 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£274,000

Rent Estimate (pcm)£1,300

Gross Yield5.89%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price£120,000 (2006-01-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-ME5 0HA

Approval Rate

-12mo

Development

MC/26/2055
Neighbourhood consultation application for the construction of a single storey extension to rear. The details submitted are as follows: The extension will extend beyond the rear wall of the original dwelling by 8 m The maximum height of the proposed extension from the natural ground level is 2.9 m The height at eaves level of the proposed extension measured from the natural ground level is 2.8 m
Pending
MC/26/1906
Construction of a two storey side extension. (Demolition of existing garage)
Pending
MC/26/1829
Construction of a prefabricated timber cabin to provide a forest school classroom building including associated access and external works
Pending

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-01-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

2 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Wayfield Primary School
0.1 mi
Report card2025
Ofsted no longer awards a single overall grade.
The Rowans
0.4 mi
Report card2025
Ofsted no longer awards a single overall grade.
Kingfisher Community Primary School
0.5 mi
Good
New Horizons Children's Academy
0.5 mi
Good

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

View All Schools

Comparables

View All

6 Montgomery Avenue
-
£290k
-
27 Montgomery Avenue
-
£265k
-
5 Montgomery Avenue
-
£345k
-
19 Montgomery Avenue
-
£255k
-

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