38 Albury Close, Chatham, ME5 8UW

UPRN:44058288End Terrace House2 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: D (68)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£289,000

£275k - £304kHigh

Estimate

£289k

Range

£275k – £304k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

6.64%

Verdict

Derived from HomePortfolio scores

38 Albury Close earns an INVESTIGATE rating with HP Score 71/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (62/100). 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 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

31/ 100

Moderate

Walkability

62/ 100

Moderate

Transit & Bike

Transit 11Bike 60

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£280,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,400-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £89,300
Net cash flow: £128/mo
Cash on cash: 1.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.64 - 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£289,000

Rent Estimate (pcm)£1,550

Gross Yield6.64%

1y Growth+14.9%

3y Growth+1.4%

5y Growth+2.5%

10y Growth+3.3%

Last Sold Price£123,500 (2003-12-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME5 8UW

Approval Rate

-12mo

Development

low

MC/26/2080
Variation of condition 2 (Approved Plans) on planning permission MC/25/2069 for a minor material amendment (amendment to proposed Block PLan 25-48-PL02,and proposed floor plan and elevations 25-48-PL04) to raise the roof height of the steel frame
Pending
MC/26/2066
Application for a non-material amendment to planning permission MC/20/0347 for the removal of footpath in the open space to avoid amenity concerns
Pending
MC/26/2049
Roof alterations to increase the ridge height of the main roof together with the construction of a first floor side extension and single storey rear extension along with the conversion of garage into habitable room
Pending

View Planning Timeline

Ownership

Corporate Ownership75.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2003-12-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density4,969 /km²

Owner Occupied62%

Age Distribution

0-15 21%16-64 66%65+ 13%

View Area Profile

Schools Nearby

St Benedict's Catholic Primary School
0.1 mi
-
Swingate Primary School
0.2 mi
Inspected as Swingate Primary School (URN 118509) on 2 May 2024
Lordswood School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Walderslade Primary School
0.9 mi
GoodImproving

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

View All Schools

Comparables

View All

24 Albury Close
-
£315k
-
5 Albury Close
-
£290k
-
32 Albury Close
-
£253k
-
24 Albury Close
-
£315k
-

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