Church Lodge, 10 Church Road, Hale Village, Liverpool, L24 4BA

UPRN:100010214870Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: D (56)

Data freshness:Listing· freshPlanning· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Church Lodge, 10 Church Road, Hale Village, Liverpool, L24 4BA

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£721,000

£685k - £757kHigh

Estimate

£721k

Range

£685k – £757k

Rent Estimate (pcm)

£5,250

£5k - £6k

Monthly

£5,250

Yield

8.69%

Verdict

Derived from HomePortfolio scores

Church Lodge earns an INVESTIGATE rating with HP Score 69/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (23/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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

69/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

23/ 100

Low

Transit & Bike

Transit 2Bike 23

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -0.6% (HIGH)] → 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 12 Oct 2026
- valuation_snapshotsestimate for 100010214870· as of 12 Oct 2026
Rental economics29.5/40
gross yield 8.7%; range width penalty ×1.00
- valuation_snapshotsrent estimate 5250/mo (range 5000-5500)· as of 12 Oct 2026· verify before relying on this
Stress margin12.8/30
stressed cash flow +670/mo, +13% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 116 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 2 Nov 2026
Risk & liquidity14.6/15
133 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 sensitivityScores 80+ up to £562,000

£544,000£833,500

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£725,000

At the asking price

Monthly rent£5,250/mo

Evidenced range £5,000-£5,500

Interest rate5.4%

Loan to value75%

Cash required: £245,050
Net cash flow: £1,188/mo
Cash on cash: 5.8%
Score at this price: 57

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.15 - 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 100010214870Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 5250/mo (range 5000-5500)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 5250/mo (range 5000-5500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 116 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Set your walk-away price before viewing - above £562,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£721,000

Rent Estimate (pcm)£5,250

Gross Yield8.69%

1y Growth+53.8%

3y Growth+4.8%

5y Growth+5.0%

10y Growth+4.3%

Last Sold Price£480,000 (2020-06-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2L24 4BA

Approval Rate

100%12mo

Development

low

26/00431/FUL
Proposed single storey extension to side and porch to front at
Pending
26/00405/FUL
Application for relevant demolition in a Conservation Area for removal of metal driveway gates at
Pending
26/00387/PLD
Application for certificate of proposed lawful development for a single storey rear extension at
Pending

View Planning Timeline

Ownership

Corporate Ownership65%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-06-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,819

Population Density309 /km²

Owner Occupied87%

Age Distribution

0-15 12%16-64 55%65+ 33%

View Area Profile

Schools Nearby

Hale Church of England Voluntary Controlled Primary School
0.2 mi
Good
St Ambrose Catholic Academy
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Halebank CofE Primary School
1.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Middlefield Community Primary School
1.6 mi
Good

1 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

72 Church Road
-
£750k
-
82 Church Road
-
£880k
-
40 Church Road
-
£530k
-
70 Church Road
-
£640k
-

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