96 Richmond Road, Gillingham, ME7 1LR

UPRN:44071802Terrace Property4 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: D (68)

Data freshness:Listing· freshPrice Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

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

£262,000

£248k - £275kHigh

Estimate

£262k

Range

£248k – £275k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

9.94%

Verdict

Derived from HomePortfolio scores

96 Richmond Road earns an INVESTIGATE rating with HP Score 57/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (77/100). 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 company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

95/ 100

Elevated

Walkability

77/ 100

High

Transit & Bike

Transit 22Bike 65

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
advert has 2 bedrooms but the valuation snapshot describes 4 - the UPRN's evidence is for a different home

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£175,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,350-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £54,800
Net cash flow: £413/mo
Cash on cash: 9.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.46 - 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£262,000

Rent Estimate (pcm)£1,450

Gross Yield9.94%

1y Growth-

3y Growth+0.0%

5y Growth+1.3%

10y Growth+3.2%

Last Sold Price£120,000 (2012-03-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3ME7 1LR

Approval Rate

100%12mo

Development

low

MC/26/2065
Installation of a new access ramp and entry door to an existing classroom together with two wall mounted air condenser units
Pending
MC/26/2054
Change of use from commercial (Class E) to residential apartment (Class C3) together with construction of a single storey rear extension, creation of external courtyard, bin and cycle store with associated external and basement works - demolition of existing garage
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

View Planning Timeline

Ownership

Corporate Ownership73.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2012-03-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density9,833 /km²

Owner Occupied49%

Age Distribution

0-15 23%16-64 69%65+ 8%

View Area Profile

Schools Nearby

Burnt Oak Primary School
0.1 mi
Inspected as Burnt Oak Primary School (URN 131527) on 17 May 2022
MidKent College
0.3 mi
-
Oasis Academy Skinner Street
0.3 mi
Good
Waterfront UTC
0.3 mi
Good

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

View All Schools

Comparables

View All

110 Richmond Road
-
£300k
-
116 Richmond Road
-
£236k
-
118 Richmond Road
-
£220k
-
90 Richmond Road
-
£230k
-

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