34 Samuels Tower, Longhill Avenue, Chatham, ME5 7AT

UPRN:44111841Purpose Built Flat2 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band BEPC: D (55)

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

34 Samuels Tower, Longhill Avenue, Chatham, ME5 7AT

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£79,000

£63k - £95kLow

Estimate

£79k

Range

£63k – £95k

Rent Estimate (pcm)

£450

£450 - £500

Monthly

£450

Yield

6.75%

Verdict

Derived from HomePortfolio scores

34 Samuels Tower earns an INVESTIGATE rating with HP Score 74/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (87/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

44/ 100

Elevated

Walkability

87/ 100

Excellent

Transit & Bike

Transit 15Bike 60

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics30.2/40
gross yield 8.8% on contractual rent (listing-disclosed tenancy); contractual 1050/mo far above the 450/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1050/mo (tenanted)· as of 4 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -38/mo, -6% 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 4 Nov 2026· verify before relying on this
Risk & liquidity9.1/15
536 sales/12mo in area; valuation range width 41%
- property_intelligencetransactions_12mo

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£80,000

At the asking price

Monthly rent£450/mo

Evidenced range £450-£500

Interest rate5.4%

Loan to value75%

Cash required: £25,300
Net cash flow: £42/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.

Evidence

Where every number comes from

listing_factscontractual rent 1050/mo (tenanted)Rental economics · as of 4 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
contractual rent 1050/mo (tenanted)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£79,000

Rent Estimate (pcm)£450

Gross Yield6.75%

1y Growth-2.9%

3y Growth+1.4%

5y Growth+2.5%

10y Growth+3.3%

Last Sold Price£58,000 (2011-10-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ME5 7AT

Approval Rate

-12mo

Development

low

MC/26/2056
Prior Notification under Schedule 2 Part 11 Class B of the Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended) for the demolition of Gate lodge, Residences 6 and 7, Disablement Services Centre and Outbuildings 1 and 2
Pending
MC/26/2051
Details pursuant to condition 2 (Noise) on planning permission MC/26/1436 for Prior notification for the change of use from doctors surgery to 9x residential flats (use class C3)
Pending
MC/26/2021
Construction of a single storey infill extension to side/rear
Pending

View Planning Timeline

Ownership

Corporate Ownership75.1%
Overseas OwnershipNo
Lease Term Remaining102 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2011-10-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,857

Population Density-

Owner Occupied55%

Age Distribution

0-15 23%16-64 67%65+ 10%

View Area Profile

Schools Nearby

All Saints Church of England Primary School
0.2 mi
Good
New Road Primary School
0.2 mi
Good
Brompton Academy
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Hospital and Medical Tuition Service
0.3 mi
-

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

View All Schools

Comparables

View All

Samuels Tower Longhill Avenue
-
£69k
-
Samuels Tower Longhill Avenue
-
£66k
-
Samuels Tower Longhill Avenue
-
£66k
-
Samuels Tower Longhill Avenue
-
£68k
-

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