Terraced 2 sales on record

85 HIGH STREET

QUEENBOROUGH, SWALE, KENT, ME11 5AG

£250,000

Location

Map view View on Google Maps View on OpenStreetMap Street View ME11 5AG

Nearby

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

Type	Name	Distance
Bus stop	Jubilee Crescent	0.1 miles
Shop	Queenborough Stores	0.1 miles
Train station	Queenborough	0.3 miles
University	University of Essex	8.5 miles
Hospital	Wellesley Hospital	9.5 miles

Property details

Tenure

Freehold

Property type

Terraced

Floor area

74 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£250,000 Mar 2026

Price per m²

£3,378/m²

Local average

£232,700 (5 sales)

Street crime

79 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 09/08/2018

Expiry date: 08/08/2028

Current heating cost: £554/year

Potential heating cost: £415/year

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 (14,000)
Floor insulation (suspended floor) (1,200)
Low energy lighting for all fixed outlets (25)
Solar water heating (6,000)
Solar photovoltaic panels, 2.5 kWp (8,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	20/03/2026	£250,000	Terraced	+26.9%	£250,522 to April 2026	View transaction
Sold	04/10/2019	£197,000	Terraced	—	£226,798 to April 2026	View transaction

Historic listings

No historic listing events could be matched to the sales on record for this address. We only show events where a listing page could be linked to a Land Registry sale here.

Sold comparables

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

Address	Price	Date	Type
59 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG	£290,000	10/11/2025	Terraced
MILL COTTAGES 4 NORTH ROAD, QUEENBOROUGH, SWALE, KENT, ME11 5EX	£173,500	03/09/2025	Terraced
56 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG	£280,000	13/07/2023	Terraced
32 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS	£218,500	28/04/2023	Terraced
1 SEAVIEW TERRACE, QUEENBOROUGH, SWALE, KENT, ME11 5EY	£215,000	28/04/2023	Terraced
21 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS	£211,000	04/11/2022	Terraced
3 SOMERSET TERRACE, QUEENBOROUGH, SWALE, KENT, ME11 5EW	£275,000	30/09/2022	Terraced
1 WOODHALL TERRACE, QUEENBOROUGH, SWALE, KENT, ME11 5AH	£255,000	30/08/2022	Terraced
23 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS	£210,000	15/07/2022	Terraced
59 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG	£268,000	28/09/2021	Terraced
20 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS	£190,000	27/09/2021	Terraced

Area average: £235,091 (11 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same property type.

Capital growth trend

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

5y growth 15.5%

10y growth 49.6%

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

1y (index) 2%

5y (index) 11.6%

10y (index) 37%

Rental Range

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

Low £986/mo

Realistic £1,095/mo

Optimistic £1,205/mo

Based on Local Authority from postcode lookup → Swale.

LHA (30th percentile) floor for Medway & Swale: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
1 Bed Semi-Detached House, Swale Cottage, ME11	£800/mo	1	0.13 miles	OpenRent

Average rent: £800/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.32%

Max investor price (0.8%) £100,000

Target investor price (1%) £80,000

Gross yield 3.8%

Cost-to-rent ratio 26×

Monthly cashflow £-290/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -4.8%

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

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Anti-social behaviour	26
Violence and sexual offences	18
Other theft	9
Shoplifting	7
Criminal damage and arson	6
Other crime	4
Burglary	3
Vehicle crime	3
Public order	2
Robbery	1
Total incidents	79

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
Queenborough School and Nursery	Primary	0.5 miles	Outstanding — 25 Sep 2023
West Minster Primary School	Primary	1.1 miles	Good — 12 Jan 2017
St Edward's Catholic Primary School	Primary	1.5 miles	— (Inspected (no overall grade))
Halfway Houses Primary School	Primary	1.6 miles	Good — 21 May 2015
Rose Street Primary School	Primary	1.6 miles	Requires improvement — 31 Jan 2023

FENSA

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

# 85 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG

## Property details

- Slug: `c342511` (address key hash: `c3425119dd4177b2eedd942f25594b6c47da1f11`)
- Postcode: ME11 5AG
- Transactions on record: 2

- Tenure: Freehold
- Property type: Terraced
- Floor area: 74 m²
- EPC rating: D
- Year built: England and Wales: before 1900
- Last sold: £250,000 Mar 2026
- Price per m²: £3,378/m²
- Local average: £232,700 (5 sales)
- Street crime: 79 incidents within 1 mile (May 2026)

## Latest sale

- Price: £250,000
- Date: 2026-03-20
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 08/08/2028
- **Current heating cost:** £554/year

### Recommendations
- Q (14,000)
- W1 (1,200)
- E (25)
- N (6,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0132-2841-7288-9708-8431)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-20 | £250,000 | Terraced | +26.9% | £250,522 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-4c04-8922-e063-4804a8c094d0) |
| Sold | 2019-10-04 | £197,000 | Terraced | — | £226,798 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/98c75471-f0f1-72e9-e053-6b04a8c042f0) |

*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 |
|---------|-------|------|------|
| 85 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG | £250,000 | 20/03/2026 | Terraced |
| 85 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG | £197,000 | 04/10/2019 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 59 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG | £290,000 | 10/11/2025 | Terraced |
| MILL COTTAGES 4 NORTH ROAD, QUEENBOROUGH, SWALE, KENT, ME11 5EX | £173,500 | 03/09/2025 | Terraced |
| 56 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG | £280,000 | 13/07/2023 | Terraced |
| 32 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS | £218,500 | 28/04/2023 | Terraced |
| 1 SEAVIEW TERRACE, QUEENBOROUGH, SWALE, KENT, ME11 5EY | £215,000 | 28/04/2023 | Terraced |
| 21 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS | £211,000 | 04/11/2022 | Terraced |
| 3 SOMERSET TERRACE, QUEENBOROUGH, SWALE, KENT, ME11 5EW | £275,000 | 30/09/2022 | Terraced |
| 1 WOODHALL TERRACE, QUEENBOROUGH, SWALE, KENT, ME11 5AH | £255,000 | 30/08/2022 | Terraced |
| 23 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS | £210,000 | 15/07/2022 | Terraced |
| 59 HIGH STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AG | £268,000 | 28/09/2021 | Terraced |
| 20 CASTLE STREET, QUEENBOROUGH, SWALE, KENT, ME11 5AS | £190,000 | 27/09/2021 | Terraced |

**Area average:** £235,091 (11 sales)

## Capital growth trend

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

- **5y growth:** 15.5%
- **10y growth:** 49.6%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 2%
- **5y growth (index):** 11.6%
- **10y growth (index):** 37%

## Rental Range

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

- **Low:** £986/mo
- **Realistic:** £1,095/mo
- **Optimistic:** £1,205/mo

## LHA (Local Housing Allowance)

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

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 1 Bed Semi-Detached House, Swale Cottage, ME11 | £800/mo | 1 | 0.13 miles | OpenRent |

**Average rent: £800/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.32% (weak for cashflow)
- **Max investor price (0.8%):** £100,000
- **Target investor price (1%):** £80,000

*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

*Based on OpenRent comparables (median £800/mo).*

- **Gross yield:** 3.8%
- **Cost-to-rent:** 26×
- **Monthly cashflow:** £-290/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.8%

*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:** Not in Flood Risk Area (no data)

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

## Street-level crime

| Category | Count |
|----------|-------|
| Anti-social behaviour | 26 |
| Violence and sexual offences | 18 |
| Other theft | 9 |
| Shoplifting | 7 |
| Criminal damage and arson | 6 |
| Other crime | 4 |
| Burglary | 3 |
| Vehicle crime | 3 |
| Public order | 2 |
| Robbery | 1 |
| **Total incidents** | **79** |

*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 |
|------|------|----------|--------|
| Queenborough School and Nursery | Primary | 0.5 miles | Outstanding — 25 Sep 2023 |
| West Minster Primary School | Primary | 1.1 miles | Good — 12 Jan 2017 |
| St Edward's Catholic Primary School | Primary | 1.5 miles | — (Inspected (no overall grade)) |
| Halfway Houses Primary School | Primary | 1.6 miles | Good — 21 May 2015 |
| Rose Street Primary School | Primary | 1.6 miles | Requires improvement — 31 Jan 2023 |