95 Silverspot Close, Rainham, Gillingham, ME8 8JT

UPRN:44111205Detached Bungalow3 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band EEPC: C (74)

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

95 Silverspot Close, Rainham, Gillingham, ME8 8JT

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£400,000

£380k - £420kHigh

Estimate

£400k

Range

£380k – £420k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

4.64%

Verdict

Derived from HomePortfolio scores

95 Silverspot Close earns an INVESTIGATE rating with HP Score 81/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (65/100). 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

81/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

65/ 100

Moderate

Transit & Bike

Transit 16Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

advert has 1 bedrooms but the valuation snapshot describes 3 - 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£375,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,300-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £122,550
Net cash flow: -£262/mo
Cash on cash: -2.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.15 - below 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£400,000

Rent Estimate (pcm)£1,450

Gross Yield4.64%

1y Growth-10.4%

3y Growth-0.5%

5y Growth+1.6%

10y Growth+3.1%

Last Sold Price£248,600 (2015-05-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1ME8 8JT

Approval Rate

-12mo

Development

low

MC/26/2102
Convertion of the existing integral garage, into additional habitable accommodation, comprising a new double bedroom, together with the creation of a separate utility room with direct access from the existing kitchen/dining area. Creation of an additional parking space and alterations to the existing dropped kerb
Pending
MC/26/2059
Details pursuant to informative 3 (Biodiversity) on planning permission MC/25/1086 for construction of two detached buildings comprising of 4 self-contained assisted living units ancillary to existing care home - demolition of existing garage
Pending
MC/26/2031
Change of use from a bed and breakfast Use Class (C1) to a residential house Use Class (C3)
Pending

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-05-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density6,966 /km²

Owner Occupied82%

Age Distribution

0-15 22%16-64 63%65+ 15%

View Area Profile

Schools Nearby

Miers Court Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Margaret's Infant School
0.3 mi
Inspected as St Margaret's Infant School (URN 118464) on 22 Mar 2016
St Margaret's Church of England Junior School
0.3 mi
Good
Parkwood Primary School
0.6 mi
Inspected as Parkwood Primary School (URN 118472) on 7 Jun 2023

5 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

87 Silverspot Close
-
£345k
-
92 Silverspot Close
-
£485k
-
68 Silverspot Close
-
£410k
-
79 Silverspot Close
-
£280k
-

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