86 Bridge Street, Macclesfield, SK11 6PY

UPRN:100010141288End Terrace House2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: D (59)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

86 Bridge Street, Macclesfield, SK11 6PY

HP Score

/ 100

Mixed

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£199,000

£189k - £209kHigh

Estimate

£199k

Range

£189k – £209k

Rent Estimate (pcm)

£850

£800 - £950

Monthly

£850

Yield

5.10%

Verdict

Derived from HomePortfolio scores

86 Bridge Street earns an INVESTIGATE rating with HP Score 59/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (92/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

58/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

92/ 100

Excellent

Transit & Bike

Transit 36Bike 52

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -0.5% (HIGH), sold-comps +0.0%, £/sqft +0.1%] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100010141288· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.9%· as of 3 Nov 2026
Rental economics0.7/40
gross yield 5.1%; range width penalty ×0.85
- valuation_snapshotsrent estimate 850/mo (range 800-950)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -349/mo, -41% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 258 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 6 Nov 2026
Risk & liquidity14.6/15
481 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£150,000£230,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£200,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£950

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: -£87/mo
Cash on cash: -1.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 100010141288Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 15.9%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 850/mo (range 800-950)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 800-950)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£199,000

Rent Estimate (pcm)£850

Gross Yield5.10%

1y Growth+31.5%

3y Growth+2.0%

5y Growth+2.8%

10y Growth+4.8%

Last Sold Price£133,500 (2021-12-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SK11 6PY

Approval Rate

-12mo

Development

low

26/1834/HOUS
Proposed front porch, two storey side extension, single storey rear extension, alterations to form dropped kerb to create a side driveway, lantern roof light and a Juliet balcony to the rear of the extension
Pending
26/1546/DSC
Discharge of conditions 1, 2, 3 and 4 on approval 25/0758/LBC: Listed Building Consent for splice repair to front elevation windows and like-for-like replacement of windows and door to rear elevation.
Pending
26/1526/HOUS
Proposed loft conversion with rear dormer and altered side hip to form a gable and create a second floor bedroom and toilet.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.7%
Overseas OwnershipNo
Lease Term Remaining779 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-12-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,221

Population Density-

Owner Occupied39%

Age Distribution

0-15 12%16-64 78%65+ 10%

View Area Profile

Schools Nearby

Parkroyal Community School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Fermain Academy
0.3 mi
OutstandingConcerns
All Hallows Catholic College
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
The Macclesfield Academy
0.6 mi
Inspected as The Macclesfield Academy (URN 137064) on 25 Feb 2020

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

66 Bridge Street
-
£268k
-
46 Bridge Street
-
£195k
-
64 Bridge Street
-
£225k
-
69 Bridge Street
-
£174k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN