4 Pump Lane, Rainham, Gillingham, ME8 7AA

UPRN:44096405Detached House3 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band EEPC: D (65)

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

4 Pump Lane, Rainham, Gillingham, ME8 7AA

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£586,000

£557k - £615kHigh

Estimate

£586k

Range

£557k – £615k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

3.69%

Verdict

Derived from HomePortfolio scores

4 Pump Lane earns an INVESTIGATE rating with HP Score 76/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (55/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

55/ 100

Moderate

Transit & Bike

Transit 16Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 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: the advert has 6 bedrooms but the valuation snapshot describes 3 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-1.6/15
claims [AVM -19.5% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 44096405· as of 9 Oct 2026
Rental economics0/40
gross yield 3.7%; range width penalty ×0.78
- valuation_snapshotsrent estimate 2150/mo (range 1900-2350)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,503/mo, -70% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 257 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 30 Oct 2026
Risk & liquidity14.7/15
512 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

£525,000£805,000

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£700,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,900-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: -£874/mo
Cash on cash: -4.4%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.91 - below 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 44096405Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 1900-2350)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 2150/mo (range 1900-2350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 257 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. 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£586,000

Rent Estimate (pcm)£2,150

Gross Yield3.69%

1y Growth+4.2%

3y Growth-0.5%

5y Growth+1.6%

10y Growth+3.1%

Last Sold Price£565,000 (2025-11-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME8 7AA

Approval Rate

-12mo

Development

low

MC/26/2044
Construction of alteration to the elevations to provide a new entrance to the building.
Pending
TPA/26/1960
T1 - Tulip tree to reduce crown by 2-3 metres (25%) in both height and lateral spread, cutting eastern stem over house back by 5-6 metres to a limb facing west on the same stem so it is away from the building, deadwood throughout, thin inner crown by removing epicormic growth and inner facing branches and shape in rear garden. Crown before 22 x 12m / crown after 19 x 9 m
Pending
MC/26/1945
Construction of a single storey outbuilding to rear
Pending

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-11-26
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 Occupied79%

Age Distribution

0-15 17%16-64 63%65+ 20%

View Area Profile

Schools Nearby

St Thomas of Canterbury RC Primary School
0.3 mi
Inspected as St Thomas of Canterbury RC Primary School (URN 118767) on 8 Jun 2023
The Howard School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Rainham Mark Grammar School
0.3 mi
Good
Twydall Primary School and Nursery
0.4 mi
Good

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Pump Lane
-
£565k
-
5 Pump Lane
-
£691k
-
4 Pump Lane
-
£435k
-
7 Pump Lane
-
£250k
-

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