96 Maritime House, Ocean Drive, Gillingham, ME7 1GT

UPRN:44056496Purpose Built Flat1 bedsBuilt 2012-2021

LeaseholdCouncil Tax: Band CEPC: C (76)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

96 Maritime House, Ocean Drive, Gillingham, ME7 1GT

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£152,000

£145k - £160kHigh

Estimate

£152k

Range

£145k – £160k

Rent Estimate (pcm)

£750

£700 - £800

Monthly

£750

Yield

6.21%

Verdict

Derived from HomePortfolio scores

96 Maritime House earns an INVESTIGATE rating with HP Score 69/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (54/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

39/ 100

Elevated

Walkability

54/ 100

Moderate

Transit & Bike

Transit 13Bike 60

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 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 edge0/15
claims [AVM +4.6% (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 44056496· as of 9 Oct 2026
Rental economics9/40
gross yield 6.2%; range width penalty ×0.93
- valuation_snapshotsrent estimate 750/mo (range 700-800)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -190/mo, -25% 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 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 269 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 6 Nov 2026
Risk & liquidity14.7/15
521 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£750/mo

Evidenced range £700-£800

Interest rate5.4%

Loan to value75%

Cash required: £45,200
Net cash flow: £30/mo
Cash on cash: 0.8%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.53 - 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 44056496Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-800)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 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 750/mo (range 700-800)
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£152,000

Rent Estimate (pcm)£750

Gross Yield6.21%

1y Growth-18.6%

3y Growth+0.0%

5y Growth+1.3%

10y Growth+3.2%

Last Sold Price£167,811 (2019-11-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME7 1GT

Approval Rate

-12mo

Development

low

MC/26/2093
Construction of first floor rear extension
Pending
MC/26/2009
Loft conversion and construction of a rear dormer with installation of 1 rooflight; construction of a single storey rear extension wiith 4 rooflighs together with alterations to the front bay window hip roof front entrance opening with installation of 2 roof lights; Internal layout reconfigurations including chimney breast removal;
Pending
CAN/26/1996
T1 - Tilia europaea 3m crown lift from ground level, over carpark. Prune away from CCTV pole. T2 - Tilia europaea 3m crown lift from ground level, over carpark. T3- Tilia europaea 3m crown lift from ground level, over carpark. T4 - Tilia europaea 3m crown lift from ground level, over carpark. T5 - Tilia europaea 3m crown lift from ground level, over carpark. Prune away from CCTV pole. For both T1 and T5 there will be a 0.50m clearance from the CCTV pole.
Pending

View Planning Timeline

Ownership

Corporate Ownership73.9%
Overseas OwnershipNo
Lease Term Remaining118 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2019-11-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density-

Owner Occupied20%

Age Distribution

0-15 8%16-64 85%65+ 7%

View Area Profile

Schools Nearby

Waterfront UTC
0.2 mi
Good
Burnt Oak Primary School
0.3 mi
Inspected as Burnt Oak Primary School (URN 131527) on 17 May 2022
Rivermead School
0.4 mi
Good
Saxon Way Primary School
0.5 mi
Inspected as Saxon Way Primary School (URN 133632) on 29 May 2012

3 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Maritime House Ocean Drive
-
£74k
-
Maritime House Ocean Drive
-
£70k
-
Maritime House Ocean Drive
-
£112k
-
Maritime House Ocean Drive
-
£89k
-

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