Little Owls, Ratcliffe Highway, St. Mary Hoo, Rochester, ME3 8RN

UPRN:44104396Detached House5 bedsBuilt 1930-1949

FreeholdCouncil Tax: -EPC: D (56)

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

Little Owls, Ratcliffe Highway, St. Mary Hoo, Rochester, ME3 8RN

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£793,000

£714k - £872kMedium

Estimate

£793k

Range

£714k – £872k

Rent Estimate (pcm)

£2,850

£3k - £3k

Monthly

£2,850

Yield

4.30%

Verdict

Derived from HomePortfolio scores

Little Owls earns an INVESTIGATE rating with HP Score 55/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (1/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

55/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

1/ 100

Low

Transit & Bike

Transit 5Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -0.3% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 44104396· as of 9 Oct 2026
Rental economics0/40
gross yield 4.3%; range width penalty ×0.74
- valuation_snapshotsrent estimate 2850/mo (range 2550-3200)· as of 9 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 30 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,389/mo, -49% 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: 1 price cut(s), 513 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 & liquidity12.9/15
293 sales/12mo in area; valuation range width 20%
- 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

£596,000£914,000

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£795,000

At the asking price

Monthly rent£2,850/mo

Evidenced range £2,550-£3,200

Interest rate5.4%

Loan to value75%

Cash required: £269,550
Net cash flow: -£710/mo
Cash on cash: -3.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.06 - 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 44104396Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2850/mo (range 2550-3200)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 30 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

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 2850/mo (range 2550-3200)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. 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£793,000

Rent Estimate (pcm)£2,850

Gross Yield4.30%

1y Growth-

3y Growth-0.1%

5y Growth+1.7%

10y Growth+3.7%

Last Sold Price£385,000 (2011-09-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ME3 8RN

Approval Rate

-12mo

Development

low

MC/26/0304
Construction of a ground floor extension to rear, alterations to the existing front bay window along with raising and alteration of the existing main roof. Construction of a gabled in filled porch to front
Conditions
MC/25/1566
Garage conversion, part two storey and single storey extensions, to Granny Annex, and Garden Room, to be used ancillary to the main house.
Awaiting decision
MC/25/1003
Conversion of garage and infill two storey extension to provide ancillary living space to the main dwelling
Conditions

View Planning Timeline

Ownership

Corporate Ownership76.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-09-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

2 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density-

Owner Occupied71%

Age Distribution

0-15 19%16-64 61%65+ 20%

View Area Profile

Schools Nearby

Leigh Academy Peninsula East
1.1 mi
Good
Leigh Academy High Halstow
2.4 mi
Outstanding
Lubbins Park Primary Academy
3.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Leigh Beck Junior School
3.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Trevelgue Ratcliffe Highway
-
£570k
-
Trevelgue Ratcliffe Highway
-
£470k
-
Ash Grove Ratcliffe Highway
-
£500k
-
Little Owls Ratcliffe Highway
-
£385k
-

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