# 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: £251,701 (126 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- **Expiry date:** 23/05/2026 — **EXPIRED** (no longer valid for marketing or letting)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 |
| 11 FREDERICK ROAD, GILLINGHAM, MEDWAY, ME7 5UT | £243,000 | 07/06/2023 | Terraced |
| 7 SEAVIEW ROAD, GILLINGHAM, MEDWAY, ME7 4NL | £230,000 | 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:** 7.5%
- **10y growth:** 32.1%

## 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 |

**Average rent: £550/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.18% (weak for cashflow)
- **Max investor price (0.8%):** £68,750
- **Target investor price (1%):** £55,000

*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 £550/mo).*

- **Gross yield:** 2.2%
- **Cost-to-rent:** 45.5×
- **Monthly cashflow:** £-711/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -9.8%

*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 |