87 Gravel Lane, Banks, Southport, PR9 8BW

UPRN:100010689362Detached Bungalow3 bedsBuilt -

FreeholdCouncil Tax: Band DEPC: D (68)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

87 Gravel Lane, Banks, Southport, PR9 8BW

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£423,000

£402k - £445kHigh

Estimate

£423k

Range

£402k – £445k

Rent Estimate (pcm)

£2,300

£2k - £2k

Monthly

£2,300

Yield

6.65%

Verdict

Derived from HomePortfolio scores

87 Gravel Lane earns an INVESTIGATE rating with HP Score 62/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (2/100). 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 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

62/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

2/ 100

Low

Transit & Bike

Transit 11Bike 43

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£415,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,150-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £136,550
Net cash flow: £192/mo
Cash on cash: 1.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.64 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£423,000

Rent Estimate (pcm)£2,300

Gross Yield6.65%

1y Growth-

3y Growth+0.9%

5y Growth+2.1%

10y Growth+2.8%

Last Sold Price£142,000 (2002-08-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PR9 8BW

Approval Rate

-12mo

Development

low

2026/0790/FUL
Proposed erection of new access ramp and widening of main entrance doorway for disabled occupant following the demolition of existing front access ramp.
Pending
2026/0743/FUL
Retrospective proposed shop front, shutters and signs.
Pending
2026/0698/CON
Approval of details reserved by condition no 9 of planning permission 2019/0371/OUT relating to Landscape Scheme for Hard and Soft Landscaping works.
Pending

View Planning Timeline

Ownership

Corporate Ownership68.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-08-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,884

Population Density188 /km²

Owner Occupied83%

Age Distribution

0-15 13%16-64 62%65+ 25%

View Area Profile

Schools Nearby

Banks St Stephen's CofE School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Banks Methodist School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John's Church of England Primary School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
Peterhouse School
1.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

79 Gravel Lane
-
£155k
-
81 Gravel Lane
-
£200k
-
85 Gravel Lane
-
£125k
-
79 Gravel Lane
-
£170k
-

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