Sold STC Detached

3 THE PINNACLES

CHATHAM, ST MARYS ISLAND, MEDWAY ME4 3PN

4 beds 2 baths 133 m² Listed 8 Aug 2024 (-711d)

£650,000

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# 4 bedroom detached house for sale (ME4 3PN)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3 THE PINNACLES, CHATHAM, ST MARYS ISLAND, MEDWAY ME4 3PN |
| Price | £650,000 |
| Bedrooms | 4 |
| Bathrooms | 2 |
| Council tax | F |
| Last sold | £600,000 Aug 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 23/01/2029
- **Current heating cost:** £635/year

### Recommendations
- W1 (1,200)
- E (75)
- N (6,000)
- U (8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0962-2824-7097-9421-4425)

## Description

The information provided about this property does not constitute or form part of an offer or contract, nor may it be regarded as representations. All interested parties must verify accuracy and your solicitor must verify tenure/lease information, fixtures & fittings and, where the property has been extended/converted, planning/building regulation consents. All dimensions are approximate and quoted for guidance only as are floor plans which are not to scale and their accuracy cannot be confirmed. Reference to appliances and/or services does not imply that they are necessarily in working order or fit for the purpose.

We are pleased to offer our customers a range of additional services to help them with moving home. None of these services are obligatory and you are free to use service providers of your choice. Current regulations require all estate agents to inform their customers of the fees they earn for recommending third party services. If you choose to use a service provider recommended by Wards, details of all referral fees can be found at the link below. If you decide to use any of our services, please be assured that this will not increase the fees you pay to our service providers, which remain as quoted directly to you.

## Property Photos

- ![Front Elevation](/listings/photos/151117757/1275586) - Front Elevation
- ![Rear Garden](/listings/photos/151117757/1275587) - Rear Garden
- ![Lounge](/listings/photos/151117757/1275588) - Lounge
- ![Kitchen](/listings/photos/151117757/1275589) - Kitchen
- ![Breakfast Area](/listings/photos/151117757/1275590) - Breakfast Area
- ![Sitting Area](/listings/photos/151117757/1275591) - Sitting Area
- ![Utility Room](/listings/photos/151117757/1275592) - Utility Room
- ![Dining Room](/listings/photos/151117757/1275593) - Dining Room
- ![Cloakroom](/listings/photos/151117757/1275594) - Cloakroom
- ![Entrance Hall](/listings/photos/151117757/1275595) - Entrance Hall
- ![Bedroom 1](/listings/photos/151117757/1275596) - Bedroom 1
- ![En-Suite Shower Room](/listings/photos/151117757/1275597) - En-Suite Shower Room
- ![Bedroom 2](/listings/photos/151117757/1275598) - Bedroom 2
- ![Bedroom 4](/listings/photos/151117757/1275599) - Bedroom 4
- ![Bathroom](/listings/photos/151117757/1275600) - Bathroom
- ![Rear Garden](/listings/photos/151117757/1275601) - Rear Garden
- ![Room 2](/listings/photos/151117757/1275602) - Room 2
- ![Double Garage](/listings/photos/151117757/1275603) - Double Garage
- ![Driveway/Parking](/listings/photos/151117757/1275604) - Driveway/Parking

## Floorplans

- ![Ground Floor](/listings/photos/151117757/1275605) - Ground Floor
- ![First Floor](/listings/photos/151117757/1275606) - First Floor

## EPC Graphs

- ![EPC graph](/listings/photos/151117757/1275607) - EPC graph

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #7124031
- **Address:** 3 The Pinnacles, St. Marys Island, ME4 3PN
- **Certificate Issued:** 02/02/2010
- **Work Completed:** 18/01/2010
- **Items:** 17 window(s), 2 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 THE PINNACLES, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3PN | £600,000 | 22/08/2025 | Detached |
| 3 THE PINNACLES, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3PN | £189,950 | 27/08/1999 | Detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 57 CHELDOC RISE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3EL | £452,500 | 11/12/2025 | Detached |
| 27 DUNLIN DRIVE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3JA | £450,000 | 02/12/2025 | Detached |
| 14 RINGLET ROAD, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3ET | £595,000 | 08/11/2023 | Detached |
| 6 WINTERGREEN CLOSE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3HP | £475,000 | 30/06/2023 | Detached |
| 4 MEADOWSWEET VIEW, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BA | £495,000 | 27/04/2023 | Detached |
| 3 TEAL DRIVE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3EA | £600,000 | 06/04/2023 | Detached |
| 46 CHELDOC RISE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3NR | £450,000 | 08/12/2022 | Detached |
| 4 FOXTAIL CLOSE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BG | £695,000 | 15/11/2022 | Detached |
| 33 SANDLING WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3AZ | £555,000 | 14/09/2022 | Detached |
| [Same street] 14 THE PINNACLES, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3PN | £392,000 | 02/09/2022 | Semi-detached |
| 11 WOODRUSH PLACE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BB | £555,000 | 17/08/2022 | Detached |
| 4 THE WHIMBRELS, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BE | £475,000 | 15/07/2022 | Detached |
| 9 POCHARD CLOSE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BD | £385,000 | 01/07/2022 | Detached |
| 4 MEADOWSWEET VIEW, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BA | £532,000 | 24/06/2022 | Detached |
| 1 PHALAROPE WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3JJ | £592,000 | 25/05/2022 | Detached |
| 13 RINGLET ROAD, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3RG | £575,000 | 12/05/2022 | Detached |
| 7 HAVEN WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3LB | £419,995 | 26/04/2022 | Detached |
| 3 PHALAROPE WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3JJ | £539,000 | 25/03/2022 | Detached |
| 55 CHELDOC RISE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3EL | £393,000 | 25/03/2022 | Detached |
| 3 MARINE VIEW, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3LA | £665,000 | 25/03/2022 | Detached |
| 9 HAVEN WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3LB | £445,000 | 10/12/2021 | Detached |

**Street average:** £392,000 (1 sale)
**Area average:** £517,175 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £457,143 (7 Detached, ME4, 2024–2026)
- **Deviation:** +42.2%

## 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 Bury St Edmunds (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £1,296/mo

## 1% Rule

- **Rent ratio:** 0.19% (weak for cashflow)
- **Max investor price (0.8%):** £154,750
- **Target investor price (1%):** £123,800

*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 Area rent estimate.*

## Price per Square Metre

- **£/m²:** £4,815/m²

## Capital growth trend

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

- **5y growth:** 20.1%
- **10y growth:** 44.4%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 0.2%
- **5y growth (index):** 16.6%
- **10y growth (index):** 37.9%

## 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)

Front Elevation Rear Garden Lounge Kitchen Breakfast Area Sitting Area Utility Room Dining Room Cloakroom Entrance Hall Bedroom 1 En-Suite Shower Room Bedroom 2 Bedroom 4 Bathroom Rear Garden Room 2 Double Garage Driveway/Parking

/ 19

Property details

Tenure

FREEHOLD

Floor area

133 m²

Council tax band

EPC rating

Last sold

£600,000 Aug 2025

Price per m²

£4,815/m²

Local average

£457,143 (+42.2%)

Street crime

164 incidents within 1 mile (May 2026)

Key features

Sold by Wards
Substantial, double fronted detached executive house
Versatile separate living spaces and excellent sized bedrooms
Large driveway and extended garage and outbuilding with games room
Superb choice for a large or multi generational family
Sought after location on St Mary's Island

Additional details

Parking: Garage, Off street
Garden: Front garden, Back garden

Description

This beautiful detached house in the ever-popular St Mary's Island is perfect for a family. With a large driveway and extended garage which now offers a workshop and games room, it is excellent if you have teenagers at home. The house also has a rear garden which is larger than the typical on the development which is perfect for those who love to entertain outside. The living space is versatile, so can be adapted if you need a home office or want separate living space for older kids or perhaps a relative living with you.Room sizes:Entrance HallLounge: 11'8 x 11'7 (3.56m x 3.53m)Dining Room: 11'8 x 11'3 (3.56m x 3.43m)Kitchen: 11'3 x 7'1 (3.43m x 2.16m)Breakfast Area: 9'10 x 8'3 (3.00m x 2.52m)Sitting Area: 11'3 x 9'0 (3.43m x 2.75m)Utility RoomDownstairs CloakroomLandingBedroom 1: 13'1 x 11'5 (3.99m x 3.48m)En-suite Shower RoomBedroom 2: 10'5 x 8'6 (3.18m x 2.59m)Bedroom 3: 11'9 x 9'0 (3.58m x 2.75m)Bedroom 4: 8'2 x 7'2 (2.49m x 2.19m)BathroomFront GardenRear GardenDouble GarageRoom 1 (Workshop)Room 2 (Games/Family Room)
The information provided about this property does not constitute or form part of an offer or contract, nor may it be regarded as representations. All interested parties must verify accuracy and your solicitor must verify tenure/lease information, fixtures & fittings and, where the property has been extended/converted, planning/building regulation consents. All dimensions are approximate and quoted for guidance only as are floor plans which are not to scale and their accuracy cannot be confirmed. Reference to appliances and/or services does not imply that they are necessarily in working order or fit for the purpose.

We are pleased to offer our customers a range of additional services to help them with moving home. None of these services are obligatory and you are free to use service providers of your choice. Current regulations require all estate agents to inform their customers of the fees they earn for recommending third party services. If you choose to use a service provider recommended by Wards, details of all referral fees can be found at the link below. If you decide to use any of our services, please be assured that this will not increase the fees you pay to our service providers, which remain as quoted directly to you.

Listed by

Chatham

Arun Estates

Reference: 151117757

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 24/01/2019

Expiry date: 23/01/2029

Current heating cost: £635/year

Potential heating cost: £616/year

Recommendations

Floor insulation (suspended floor) (1,200)
Low energy lighting for all fixed outlets (75)
Solar water heating (6,000)
Solar photovoltaic panels, 2.5 kWp (8,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Ground Floor

First Floor

EPC Graphs

EPC graph

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #7124031

Property Details

Street: 3 The Pinnacles

Town: St. Marys Island

Postcode: ME4 3PN

Installation Details

Items: 17 windows and 2 doors

Certificate Issued: 02/02/2010

Work Completed: 18/01/2010

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

216% since 1999

Event	Date	Price	% change
Sold	22/08/2025 (10 months ago)	£600,000	+215.9%
Sold	27/08/1999 (26 years ago)	£189,950	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

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

Address	Price	Date	Type
57 CHELDOC RISE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3EL	£452,500	11/12/2025	Detached
27 DUNLIN DRIVE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3JA	£450,000	02/12/2025	Detached
14 RINGLET ROAD, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3ET	£595,000	08/11/2023	Detached
6 WINTERGREEN CLOSE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3HP	£475,000	30/06/2023	Detached
4 MEADOWSWEET VIEW, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BA	£495,000	27/04/2023	Detached
3 TEAL DRIVE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3EA	£600,000	06/04/2023	Detached
46 CHELDOC RISE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3NR	£450,000	08/12/2022	Detached
4 FOXTAIL CLOSE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BG	£695,000	15/11/2022	Detached
33 SANDLING WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3AZ	£555,000	14/09/2022	Detached
Same street 14 THE PINNACLES, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3PN	£392,000	02/09/2022	Semi-detached
11 WOODRUSH PLACE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BB	£555,000	17/08/2022	Detached
4 THE WHIMBRELS, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BE	£475,000	15/07/2022	Detached
9 POCHARD CLOSE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BD	£385,000	01/07/2022	Detached
4 MEADOWSWEET VIEW, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3BA	£532,000	24/06/2022	Detached
1 PHALAROPE WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3JJ	£592,000	25/05/2022	Detached
13 RINGLET ROAD, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3RG	£575,000	12/05/2022	Detached
7 HAVEN WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3LB	£419,995	26/04/2022	Detached
3 PHALAROPE WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3JJ	£539,000	25/03/2022	Detached
55 CHELDOC RISE, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3EL	£393,000	25/03/2022	Detached
3 MARINE VIEW, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3LA	£665,000	25/03/2022	Detached
9 HAVEN WAY, ST MARYS ISLAND, CHATHAM, MEDWAY, ME4 3LB	£445,000	10/12/2021	Detached

Street average: £392,000 (1 sale)

Area average: £517,175 (20 sales)

Capital growth trend

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

5y growth 20.1%

10y growth 44.4%

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

1y (index) 0.2%

5y (index) 16.6%

10y (index) 37.9%

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 Bury St Edmunds: £1,296/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View ME4 3PN

Nearby

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

Type	Name	Distance
Bus stop	St Marys Island Goldcrest Drive	0.1 miles
Bus stop	St Marys Island Island Way East	0.2 miles
Shop	Cafe Bueno	0.3 miles
Shop	Unknown	0.4 miles
University	Unknown	0.6 miles
Train station	Fort Apache	1.2 miles
Train station	Gillingham	1.3 miles
Hospital	The Somerfield Hospital	9.0 miles
Hospital	Southend University Hospital	12.0 miles

Street-level crime

Category	Count
Violence and sexual offences	48
Anti-social behaviour	32
Criminal damage and arson	19
Other theft	12
Shoplifting	11
Public order	10
Drugs	7
Burglary	6
Other crime	6
Vehicle crime	6
Possession of weapons	4
Bicycle theft	2
Theft from the person	1
Total incidents	164

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
St Mary's Island Church of England (Aided) Primary School	Primary	0.3 miles	Good — 2 Apr 2014
Waterfront UTC	Secondary	0.6 miles	Good — 1 Mar 2023
MidKent College	Other	0.8 miles	— (No rating)
Burnt Oak Primary School	Primary	0.9 miles	Good — 12 Jul 2022
Rivermead School	Other	1.1 miles	Good — 10 Oct 2014

Rental Comparables

Rental listings exist nearby, but none matched the 4-bedroom count for this property.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 0.19%

Max investor price (0.8%) £154,750

Target investor price (1%) £123,800

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).