# 3 bedroom semi-detached house for sale (ME5 0TH)

## Property Details

| Key | Value |
|-----|-------|
| Address | 28 HARPTREE DRIVE, CHATHAM, MEDWAY ME5 0TH |
| Price | £300,000 |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: 1967-1975 |
| Floor area | 72 m² |
| Last sold | £295,000 Dec 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 26/03/2034
- **Current heating cost:** £877/year
- **Est. upgrade cost to C:** £14,500

### Recommendations
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2639-3036-5207-5494-4204)

## Description

This three-bedroom semi-detached home is the ideal opportunity for buyers looking for a property they can move straight into while also having the potential to modernise and add value. Well located and offering a practical layout, the property is being sold with no onward chain.

The ground floor features an entrance porch leading to the hallway, a fitted kitchen, and a spacious living room with views over the rear garden. An integral garage provides excellent storage and the possibility to convert, subject to planning.

Upstairs, there are three bedrooms, including two doubles and a single, along with a family bathroom. Outside, the home offers a driveway for off-road parking and a manageable rear garden, providing a private outdoor space without being high maintenance.

Although perfectly liveable as it stands, the property would benefit from some cosmetic updating, making it an excellent choice for first-time buyers or families looking for a home they can make their own. Early viewing is strongly recommended.

**Exterior**

Rear Garden: 

Patio area

Mainly laid to lawn

Side access

Garage: (15'5 x 7'7)

## Property Photos

- ![Picture No. 03](/listings/photos/166640978/1622881) - Picture No. 03
- ![Picture No. 04](/listings/photos/166640978/1622882) - Picture No. 04
- ![Picture No. 05](/listings/photos/166640978/1622883) - Picture No. 05
- ![Picture No. 14](/listings/photos/166640978/1622884) - Picture No. 14
- ![Picture No. 06](/listings/photos/166640978/1622885) - Picture No. 06
- ![Picture No. 10](/listings/photos/166640978/1622886) - Picture No. 10
- ![Picture No. 11](/listings/photos/166640978/1622887) - Picture No. 11
- ![Picture No. 12](/listings/photos/166640978/1622888) - Picture No. 12
- ![Picture No. 15](/listings/photos/166640978/1622889) - Picture No. 15
- ![Picture No. 08](/listings/photos/166640978/1622890) - Picture No. 08
- ![Picture No. 09](/listings/photos/166640978/1622891) - Picture No. 09

## Floorplans

- ![Picture No. 07](/listings/photos/166640978/1622892) - Picture No. 07

## EPC Graphs

- ![EPC](/listings/photos/166640978/1622893) - EPC
- ![EPC Rating Graph](/listings/photos/166640978/1622894) - EPC Rating Graph

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 28 HARPTREE DRIVE, CHATHAM, MEDWAY, ME5 0TH | £295,000 | 19/12/2025 | Semi-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 |
|---------|-------|------|------|
| 8 MEADOW CLOSE, CHATHAM, MEDWAY, ME5 0UA | £385,000 | 15/12/2025 | Semi-detached |
| 19 MADDEN AVENUE, CHATHAM, MEDWAY, ME5 9TJ | £240,000 | 18/09/2025 | Semi-detached |
| 39 MEADOW CLOSE, CHATHAM, MEDWAY, ME5 0UA | £350,000 | 02/05/2025 | Semi-detached |
| 8 AMETHYST AVENUE, CHATHAM, MEDWAY, ME5 9TX | £305,000 | 18/03/2025 | Semi-detached |
| 1 AMETHYST AVENUE, CHATHAM, MEDWAY, ME5 9TX | £325,000 | 24/11/2023 | Semi-detached |
| [Same street] 41 HARPTREE DRIVE, CHATHAM, MEDWAY, ME5 0TH | £332,500 | 06/11/2023 | Semi-detached |
| 91 WALDERSLADE ROAD, CHATHAM, MEDWAY, ME5 0LJ | £256,000 | 24/08/2023 | Semi-detached |
| [Same street] 26 HARPTREE DRIVE, CHATHAM, MEDWAY, ME5 0TH | £295,000 | 29/06/2023 | Semi-detached |
| [Same street] 24 HARPTREE DRIVE, CHATHAM, MEDWAY, ME5 0TH | £345,000 | 02/06/2023 | Semi-detached |
| 28 BRADFIELDS AVENUE, CHATHAM, MEDWAY, ME5 0LE | £360,000 | 10/05/2023 | Semi-detached |
| 66 CONCORD AVENUE, CHATHAM, MEDWAY, ME5 9TS | £265,000 | 23/11/2022 | Semi-detached |
| 90 HARPTREE DRIVE, CHATHAM, MEDWAY, ME5 0TF | £330,000 | 18/11/2022 | Semi-detached |
| 49 WALDERSLADE ROAD, CHATHAM, MEDWAY, ME5 0LJ | £335,000 | 12/08/2022 | Semi-detached |
| 24 BRADFIELDS AVENUE, CHATHAM, MEDWAY, ME5 0LE | £335,000 | 12/08/2022 | Semi-detached |
| 44 AMETHYST AVENUE, CHATHAM, MEDWAY, ME5 9TU | £270,000 | 03/05/2022 | Semi-detached |
| 22 BARRINGTON CLOSE, CHATHAM, MEDWAY, ME5 0PG | £287,000 | 29/04/2022 | Semi-detached |
| 27 MEADSIDE WALK, CHATHAM, MEDWAY, ME5 0TJ | £335,000 | 08/04/2022 | Semi-detached |
| 4 AMETHYST AVENUE, CHATHAM, MEDWAY, ME5 9TX | £362,500 | 10/03/2022 | Semi-detached |
| 40 MYRTLE CRESCENT, CHATHAM, MEDWAY, ME5 0UZ | £260,000 | 25/02/2022 | Semi-detached |
| 7 HOOK CLOSE, CHATHAM, MEDWAY, ME5 9TP | £366,000 | 13/09/2021 | Semi-detached |
| 20 BRADFIELDS AVENUE, CHATHAM, MEDWAY, ME5 0LE | £275,000 | 10/09/2021 | Semi-detached |
| 57 CONCORD AVENUE, CHATHAM, MEDWAY, ME5 9TS | £225,000 | 03/08/2021 | Semi-detached |

**Street average:** £324,167 (3 sales)
**Area average:** £308,763 (19 sales)

## Price vs local average

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

- **Local average:** £330,753 (81 Semi-detached, ME5, 2024–2026)
- **Deviation:** -9.3%

## Rental Range

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

- **Low:** £1,111/mo
- **Realistic:** £1,234/mo
- **Optimistic:** £1,357/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £937/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, Hurstwood, ME5 | £1,495/mo | 3 | 0.35 miles | OpenRent |
| 3 Bed Flat, Shirley Avenue, ME5 | £1,600/mo | 3 | 0.43 miles | OpenRent |

**Average rent: £1,548/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.52% (weak for cashflow)
- **Max investor price (0.8%):** £193,500
- **Target investor price (1%):** £154,800

*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 OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,548/mo).*

- **Gross yield:** 6.2%
- **Cost-to-rent:** 16.2×
- **Monthly cashflow:** £187/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2.6%

*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).*

## Price per Square Metre

- **£/m²:** £4,167/m²

## Capital growth trend

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

- **5y growth:** 3.2%
- **10y growth:** 31.2%

## House Price Index (HM Land Registry)

*Official index for Medway; Semi-detached series; as of April 2026.*

- **1y growth (index):** 1%
- **5y growth (index):** 17.5%
- **10y growth (index):** 40.7%

## 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)