Terraced 3 sales on record

63 WATERLOO ROAD

GILLINGHAM, MEDWAY, ME7 4SA

£300,000

Location

Map view View on Google Maps View on OpenStreetMap Street View ME7 4SA

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Westcourt Arms	0.1 miles
Shop	Shalu Food and Wine	0.1 miles
Train station	Gillingham	0.4 miles
University	Unknown	1.0 miles
Hospital	The Somerfield Hospital	7.5 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

109 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£300,000 Feb 2026

Price per m²

£2,752/m²

Local average

£251,755 (125 sales)

Street crime

857 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

This certificate expired on 23/05/2026. A new EPC may be required before the property can be marketed or let.

Current rating: D

Potential rating: B

Inspection date: 24/05/2016

Expiry date: 23/05/2026 (expired)

Current heating cost: £919/year

Potential heating cost: £637/year

Est. upgrade cost to C: £20,500

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	11/02/2026	£300,000	Terraced	+33.3%	£296,673 to April 2026	View transaction
Sold	25/11/2016	£225,000	Terraced	+169.5%	£298,277 to April 2026	View transaction
Sold	15/07/2015	£83,500	Terraced	—	£131,062 to April 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£300,000
listed	29/05/2025	£285,000
sold	01/01/2016	£225,000
sold	01/01/2015	£83,500

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
10 ALBERT ROAD, GILLINGHAM, MEDWAY, ME7 5UX	£145,000	01/12/2025	Terraced
38 QUEENS ROAD, GILLINGHAM, MEDWAY, ME7 4LP	£240,000	28/11/2025	Terraced
180 CANTERBURY STREET, GILLINGHAM, MEDWAY, ME7 5XG	£250,000	18/09/2025	Terraced
25 WINDMILL ROAD, GILLINGHAM, MEDWAY, ME7 5NT	£229,000	05/09/2025	Terraced
67 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA	£238,000	24/07/2025	Terraced
54 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RN	£232,500	17/01/2025	Terraced
89 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RW	£130,000	03/11/2023	Terraced
95 GILLINGHAM ROAD, GILLINGHAM, MEDWAY, ME7 4RS	£277,000	06/10/2023	Terraced
108 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RN	£160,000	09/08/2023	Terraced
35 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA	£200,000	28/07/2023	Terraced
40 FREDERICK ROAD, GILLINGHAM, MEDWAY, ME7 5UT	£242,500	21/07/2023	Terraced
18 WINDMILL ROAD, GILLINGHAM, MEDWAY, ME7 5NT	£250,000	17/07/2023	Terraced
7 SEAVIEW ROAD, GILLINGHAM, MEDWAY, ME7 4NL	£230,000	07/06/2023	Terraced
11 FREDERICK ROAD, GILLINGHAM, MEDWAY, ME7 5UT	£243,000	07/06/2023	Terraced
55 SEAVIEW ROAD, GILLINGHAM, MEDWAY, ME7 4NL	£235,000	26/04/2023	Terraced
5 JEYES ROAD, GILLINGHAM, MEDWAY, ME7 5XD	£240,000	20/12/2022	Terraced
24 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RL	£235,000	14/12/2022	Terraced
32 WELLINGTON ROAD, GILLINGHAM, MEDWAY, ME7 4NN	£250,000	09/12/2022	Terraced
67 MAY ROAD, GILLINGHAM, MEDWAY, ME7 5UU	£279,000	02/12/2022	Terraced
50 FREDERICK ROAD, GILLINGHAM, MEDWAY, ME7 5UT	£249,000	30/11/2022	Terraced

Area average: £227,750 (20 sales)

For sale comparables

Active for-sale listings within 1 mile, matched to the same property type (all bedroom counts shown — none matched the 3-bedroom count for this property).

Address	Price	Beds	Type	Distance
Otway Street, Gillingham, ME7 1EU	£210,000	2	End of terrace	0.58 mi

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth 7%

10y growth 31.5%

House Price Index (HM Land Registry — official index, not sold-price averages): Medway. Series: Terraced. As of April 2026.

1y (index) 0.5%

5y (index) 16%

10y (index) 39.7%

Rental Range

Estimated market rent for Medway. Low = conservative, Realistic = average, Optimistic = best case.

Low £1,114/mo

Realistic £1,238/mo

Optimistic £1,362/mo

Based on Local Authority from postcode lookup → Medway.

LHA (30th percentile) floor for Chelmsford: Apr 2025 – Mar 2026

Rental Comparables

Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
4 Bed Terraced House, Waterloo Road, ME7	£550/mo	4	0.01 miles	OpenRent
4 Bed Terraced House, Trafalgar St, ME7	£600/mo	4	0.11 miles	OpenRent
4 Bed Terraced House, Stafford St, ME7	£2,200/mo	4	0.19 miles	OpenRent

Average rent: £1,117/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

This street 2.7% gross yield avg £240,556 sale, £550/mo rent

Rent ratio 0.2%

Max investor price (0.8%) £75,000

Target investor price (1%) £60,000

Gross yield 2.4%

Cost-to-rent ratio 41.7×

Monthly cashflow £-666/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -9.2%

This street — Gross yield for this street only (Land Registry sales + rental comparables, same postcode + street).
Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Street-level crime

Category	Count
Violence and sexual offences	312
Anti-social behaviour	187
Criminal damage and arson	81
Shoplifting	58
Other theft	51
Public order	40
Other crime	34
Drugs	24
Vehicle crime	23
Burglary	22
Possession of weapons	9
Robbery	7
Bicycle theft	6
Theft from the person	3
Total incidents	857

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Napier Community Primary and Nursery Academy	Primary	0.2 miles	Good — 28 Jan 2020
Brompton Academy	Secondary	0.3 miles	— (Inspected (no overall grade))
Hospital and Medical Tuition Service	Other	0.4 miles	— (No rating)
Byron Primary School	Primary	0.4 miles	— (Inspected (no overall grade))
Oasis Academy Skinner Street	Primary	0.4 miles	Good — 17 Nov 2021

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 63 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA

## Property details

- Slug: `5bbe9dc` (address key hash: `5bbe9dc44db404bf1f6a8015d216801dde2587de`)
- Postcode: ME7 4SA
- Transactions on record: 3

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 3
- Bathrooms: 2
- Floor area: 109 m²
- EPC rating: D
- Year built: England and Wales: 1900-1929
- Last sold: £300,000 Feb 2026
- Price per m²: £2,752/m²
- Local average: £251,755 (125 sales)
- Street crime: 857 incidents within 1 mile (May 2026)

## Latest sale

- Price: £300,000
- Date: 2026-02-11
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 23/05/2026 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £919/year
- **Est. upgrade cost to C:** £20,500

### Recommendations
- Q (£4,000 - £14,000)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0149-2844-7154-9826-1981)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-11 | £300,000 | Terraced | +33.3% | £296,673 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673f-41ff-d8ea-e063-4704a8c0bf7d) |
| Sold | 2016-11-25 | £225,000 | Terraced | +169.5% | £298,277 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/453d27a3-2347-ef91-e050-a8c0630574d7) |
| Sold | 2015-07-15 | £83,500 | Terraced | — | £131,062 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/25ea59f9-d69c-4d50-e050-a8c0630562d0) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 63 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA | £300,000 | 11/02/2026 | Terraced |
| 63 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA | £225,000 | 25/11/2016 | Terraced |
| 63 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA | £83,500 | 15/07/2015 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [162558860](http://87.117.209.195:8080/listings/2bd6716)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £300,000 |
| listed | 2025-05-29 | £285,000 |
| sold | 2016-01-01 | £225,000 |
| sold | 2015-01-01 | £83,500 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 10 ALBERT ROAD, GILLINGHAM, MEDWAY, ME7 5UX | £145,000 | 01/12/2025 | Terraced |
| 38 QUEENS ROAD, GILLINGHAM, MEDWAY, ME7 4LP | £240,000 | 28/11/2025 | Terraced |
| 180 CANTERBURY STREET, GILLINGHAM, MEDWAY, ME7 5XG | £250,000 | 18/09/2025 | Terraced |
| 25 WINDMILL ROAD, GILLINGHAM, MEDWAY, ME7 5NT | £229,000 | 05/09/2025 | Terraced |
| 67 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA | £238,000 | 24/07/2025 | Terraced |
| 54 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RN | £232,500 | 17/01/2025 | Terraced |
| 89 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RW | £130,000 | 03/11/2023 | Terraced |
| 95 GILLINGHAM ROAD, GILLINGHAM, MEDWAY, ME7 4RS | £277,000 | 06/10/2023 | Terraced |
| 108 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RN | £160,000 | 09/08/2023 | Terraced |
| 35 WATERLOO ROAD, GILLINGHAM, MEDWAY, ME7 4SA | £200,000 | 28/07/2023 | Terraced |
| 40 FREDERICK ROAD, GILLINGHAM, MEDWAY, ME7 5UT | £242,500 | 21/07/2023 | Terraced |
| 18 WINDMILL ROAD, GILLINGHAM, MEDWAY, ME7 5NT | £250,000 | 17/07/2023 | Terraced |
| 7 SEAVIEW ROAD, GILLINGHAM, MEDWAY, ME7 4NL | £230,000 | 07/06/2023 | Terraced |
| 11 FREDERICK ROAD, GILLINGHAM, MEDWAY, ME7 5UT | £243,000 | 07/06/2023 | Terraced |
| 55 SEAVIEW ROAD, GILLINGHAM, MEDWAY, ME7 4NL | £235,000 | 26/04/2023 | Terraced |
| 5 JEYES ROAD, GILLINGHAM, MEDWAY, ME7 5XD | £240,000 | 20/12/2022 | Terraced |
| 24 TRAFALGAR STREET, GILLINGHAM, MEDWAY, ME7 4RL | £235,000 | 14/12/2022 | Terraced |
| 32 WELLINGTON ROAD, GILLINGHAM, MEDWAY, ME7 4NN | £250,000 | 09/12/2022 | Terraced |
| 67 MAY ROAD, GILLINGHAM, MEDWAY, ME7 5UU | £279,000 | 02/12/2022 | Terraced |
| 50 FREDERICK ROAD, GILLINGHAM, MEDWAY, ME7 5UT | £249,000 | 30/11/2022 | Terraced |

**Area average:** £227,750 (20 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type (all bedroom counts shown — none matched the 3-bedroom count for this property).*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [Otway Street, Gillingham, ME7 1EU ](http://87.117.209.195:8080/listings/8ccee09) | £210,000 | 2 | End of terrace | 0.58 mi |

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** 7%
- **10y growth:** 31.5%

## House Price Index (HM Land Registry)

*Official index for Medway; Terraced series; as of April 2026.*

- **1y growth (index):** 0.5%
- **5y growth (index):** 16%
- **10y growth (index):** 39.7%

## Rental Range

*ONS Price Index of Private Rents (Medway). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £1,114/mo
- **Realistic:** £1,238/mo
- **Optimistic:** £1,362/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Chelmsford (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 4 Bed Terraced House, Waterloo Road, ME7 | £550/mo | 4 | 0.01 miles | OpenRent |
| 4 Bed Terraced House, Trafalgar St, ME7 | £600/mo | 4 | 0.11 miles | OpenRent |
| 4 Bed Terraced House, Stafford St, ME7 | £2,200/mo | 4 | 0.19 miles | OpenRent |

**Average rent: £1,117/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.2% (weak for cashflow)
- **Max investor price (0.8%):** £75,000
- **Target investor price (1%):** £60,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

- **This street:** 2.7% gross yield (avg £240,556 sale, £550/mo rent)
*Based on OpenRent comparables (median £600/mo).*

- **Gross yield:** 2.4%
- **Cost-to-rent:** 41.7×
- **Monthly cashflow:** £-666/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -9.2%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 312 |
| Anti-social behaviour | 187 |
| Criminal damage and arson | 81 |
| Shoplifting | 58 |
| Other theft | 51 |
| Public order | 40 |
| Other crime | 34 |
| Drugs | 24 |
| Vehicle crime | 23 |
| Burglary | 22 |
| Possession of weapons | 9 |
| Robbery | 7 |
| Bicycle theft | 6 |
| Theft from the person | 3 |
| **Total incidents** | **857** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Napier Community Primary and Nursery Academy | Primary | 0.2 miles | Good — 28 Jan 2020 |
| Brompton Academy | Secondary | 0.3 miles | — (Inspected (no overall grade)) |
| Hospital and Medical Tuition Service | Other | 0.4 miles | — (No rating) |
| Byron Primary School | Primary | 0.4 miles | — (Inspected (no overall grade)) |
| Oasis Academy Skinner Street | Primary | 0.4 miles | Good — 17 Nov 2021 |