13 Estuary Reach, Pleasant Row, Gillingham, ME7 5QX

UPRN:44111224Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band CEPC: C (79)

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

13 Estuary Reach, Pleasant Row, Gillingham, ME7 5QX

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£204,000

£184k - £225kMedium

Estimate

£204k

Range

£184k – £225k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

6.67%

Verdict

Derived from HomePortfolio scores

13 Estuary Reach earns an INVESTIGATE rating with HP Score 53/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (67/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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

53/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

67/ 100

Moderate

Transit & Bike

Transit 9Bike 63

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 Nov 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +11.8% (MEDIUM), sold-comps +12.2%, £/sqft +12.4%] → measured edge +0.50pp 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 12 Oct 2026
- valuation_snapshotsestimate for 44111224· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.2%· as of 27 Oct 2026
Rental economics12/40
gross yield 6.7%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1000/mo (range 950-1100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -154/mo, -15% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 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 3 Nov 2026
Risk & liquidity12.8/15
521 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

£135,000£207,000

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£180,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £85/mo
Cash on cash: 1.8%
Score at this price: 27

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - clears 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 44111224Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.2%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 1000/mo (range 950-1100)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 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 1000/mo (range 950-1100)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£204,000

Rent Estimate (pcm)£1,000

Gross Yield6.67%

1y Growth-19.5%

3y Growth+0.0%

5y Growth+1.3%

10y Growth+3.2%

Last Sold Price£175,000 (2008-02-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1ME7 5QX

Approval Rate

-12mo

Development

low

CAN/26/2019
T1 - Norway Maple - Crown lift to 5 meters to clear the building and garage
Pending
CAN/26/2017
T1 Sycamore (Acer pseudoplatanus) group of medium-sized trees, rear north-western corner of the apartment block. Works: Selectively prune the lateral branches growing towards the building to achieve approximately 2 metres of clearance from the building, where practicable. Prune back to suitable, strong growth points, retaining the natural form and maintaining the health and structural integrity of the trees. Reasons: To reduce the risk of damage to the building and minimise the risk of injury from falling branches within the communal garden areas, whilst maintaining the trees in a healthy and structurally sound condition. T2 Sycamore (Acer pseudoplatanus) Group of approximately 56 young, self-sown trees Along the rear of the first two buildings at Estuary Reach, on the northern side of the development. Works: Fell approximately five to six young, self-sown sycamore trees to ground level.Reasons: The trees have established themselves between the rear of the properties at Estuary Reach and Graham Close. Removal is proposed to prevent potential damage to adjacent property groundworks as the trees develop.
Pending
MC/26/2016
Advertisement consent for the display of a fascia sign adjacent to entrance door and totem sign adjacent to access road
Pending

View Planning Timeline

Ownership

Corporate Ownership73.9%
Overseas OwnershipNo
Lease Term Remaining102 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2008-02-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density-

Owner Occupied28%

Age Distribution

0-15 17%16-64 78%65+ 5%

View Area Profile

Schools Nearby

Brompton-Westbrook Primary School
0.6 mi
Good
MidKent College
0.7 mi
-
Brompton Academy
0.9 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Oasis Academy Skinner Street
0.9 mi
Good

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

View All Schools

Comparables

View All

24 Estuary Reach
-
£166k
-
10 Estuary Reach
-
£159k
-
20 Estuary Reach
-
£160k
-
14 Estuary Reach
-
£219k
-

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