43 Church Street, Gillingham, ME7 1SR

UPRN:44078733Mid Terrace House4 bedsBuilt -

FreeholdCouncil Tax: Band BEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 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

20 of 21 sources

Sale Estimate

£274,000

£260k - £287kHigh

Estimate

£274k

Range

£260k – £287k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

6.76%

Verdict

Derived from HomePortfolio scores

43 Church Street earns an INVESTIGATE rating with HP Score 68/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (68/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

24/ 100

Moderate

Walkability

68/ 100

Moderate

Transit & Bike

Transit 16Bike 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

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£275,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £87,550
Net cash flow: £145/mo
Cash on cash: 2.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.67 - 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)£1,550

Gross Yield6.76%

1y Growth-

3y Growth+0.0%

5y Growth+1.3%

10y Growth+3.2%

Last Sold Price£36,500 (1995-03-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ME7 1SR

Approval Rate

-12mo

Development

low

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
MC/26/1975
Variation of condition 2 (Approved plans) on planning permission MC/23/1381 to allow minor material amendments to the development to be carried out in accordance with the revised plans and elevations, reflecting the amended building layout.
Pending

View Planning Timeline

Ownership

Corporate Ownership73.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1995-03-03
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 Density8,504 /km²

Owner Occupied35%

Age Distribution

0-15 24%16-64 66%65+ 10%

View Area Profile

Schools Nearby

Rivermead School
0.0 mi
Good
Saxon Way Primary School
0.1 mi
-
St Mary's Catholic Primary School
0.3 mi
Good
Burnt Oak Primary School
0.4 mi
Inspected as Burnt Oak Primary School (URN 131527) on 17 May 2022

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

View All Schools

Comparables

View All

39 Church Street
-
£268k
-
29 Church Street
-
£330k
-
10 Church Street
-
£265k
-
33 Church Street
-
£270k
-

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