49 SPENSER ROAD
Recent sale
£355k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
94 Spenser Road, Herne Bay, CT6 5QP
UPRN:100060838512Semi-Detached House3 bedsBuilt 1930-1949
FreeholdCouncil Tax: Band CEPC: E (53)
Data freshness:Listing· freshListing: fresh, refreshed yesterday (2026-10-23T04:00:04.135672+00:00)Planning· 2mo agoPlanning: ageing, refreshed 2mo ago (2026-09-04T07:05:08.371882+00:00)EPC· 5mo agoEPC: stale, refreshed 5mo ago (2026-05-20T10:58:39.129138+00:00)Risk· 2y agoRisk: stale, refreshed 2y ago (2024-12-31T00:00:00+00:00)Amenities· 1mo agoAmenities: ageing, refreshed 1mo ago (2026-09-23T00:00:00+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
Valuation estimateUpdated yesterday
£310,000
Estimated value
Range: £294k - £325k|Last sold: £90k (2001-06-14)
Estimate of £310k for this semi-detached house. 439 sales in CT6 in the last 12 months; median £326k.
Estimate confidence
High confidence
Value History
Current estimate
£310k
£294k - £325k - High confidence
Annualised (CAGR)
+0.21%
Over the full window
Peak estimate
£379k
Nov 2022
From peak
-18.21%
Drawdown from peak
AVM estimate (model)Repeat-sales index - CT6 district (quarterly)index YoY +7.21%
Growth by window
3m
-11.17%
6m
-7.74%
12m
-10.14%
24m
-11.93%
60m
-8.28%
Rental Market
Estimated rent (pcm)
£1,200
/ month
Gross yield
4.65%
Rent ÷ asking price
Net yield
3.21%
Assumes ~31% running costs (not this property's)
Vacancy trend
12-month change
Market Metrics
Median Area Price
£326k
CT6 sales, last 12 months
12m Price Growth
-
CT6 median, Land Registry
Days on Market
71d
CT6 average
Sales & Yield
3 metricsTransactions / 12m
439
CT6 sales
Area Gross Yield
4.91%
CT6 medians
Last Sold
£90k
2001-06-14
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£310,000
- SDLT standard£5,500
- SDLT BTL surcharge (5%)£15,500
- Legal, survey + broker (assumed)£2,100
- RefurbishmentNot costed
- Total Cost (excl. refurb)£333,100
Funding
- Deposit (25%)£77,500
- Mortgage (75% LTV)£232,500
- Interest Rate (assumed)5.25%
- Mortgage TypeInterest Only
- Cash Required£100,600
Monthly Returns
- Monthly Rent (estimate)£1,200
- Mortgage Payment (IO)-£1,017
- Management (10%)-£120
- Insurance (assumed)-£40
- Maintenance (assumed)-£60
- Monthly Cashflow-£37
Capital Returns
- 5yr Property Value£310,931
- 5yr Capital Gain (0.06% pa, historical)+£931
- 5yr Cumulative Rent (net)+£61,450
- Less mortgage interest-£61,020
- 5yr Total Return+£1,361
Modelled on the live asking price. Assumed, as in the PDF report: 25% deposit, 5.25% interest-only mortgage, management 10% of rent, insurance £40/mo, maintenance £60/mo, legal, survey and broker £2,100. Refurbishment, voids and letting fees are not costed.
5-Year Projection
| Year | Property Value | Equity | Cashflow (cumulative) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £310,186 | £77,686 | -£444 | -£258 | -0.3% |
| Year 2 | £310,372 | £77,872 | -£624 | -£252 | -0.3% |
| Year 3 | £310,558 | £78,058 | -£546 | +£12 | 0.0% |
| Year 4 | £310,745 | £78,245 | -£193 | +£552 | 0.5% |
| Year 5 | £310,931 | £78,431 | +£430 | +£1,361 | 1.4% |
Modelled on the live asking price. Capital growth 0.06% a year is the CT6 area's 5-year historical rate (Land Registry medians), not a forecast. Rent grows 2% a year (assumed); management is 10% of each year's rent. Mortgage held interest-only at 5.25% for 5 years. Refurbishment, voids and letting fees are not costed. ROI is on cash required (£100,600).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
78 SPENSER ROAD
Recent sale
£340k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
100 SPENSER ROAD
Recent sale
£355k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
43 SPENSER ROAD
Recent sale
£270k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£30,188
Median earnings (local authority)
Signal
1,404
Population
Signal
8.4%
Households Deprived