123 Moss Lane, Whitefield, Manchester, M45 8DZ

UPRN:100011000327Terrace Property2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: C (69)

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

123 Moss Lane, Whitefield, Manchester, M45 8DZ

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£219,000

£208k - £230kHigh

Estimate

£219k

Range

£208k – £230k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

7.14%

Verdict

Derived from HomePortfolio scores

123 Moss Lane earns an INVESTIGATE rating with HP Score 77/100. Investment score 63/100 reflects moderate fundamentals. Walkability is good (77/100). 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

No data

Walkability

77/ 100

High

Transit & Bike

Transit 45Bike 25

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£210,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,200-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: £157/mo
Cash on cash: 2.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.76 - 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£219,000

Rent Estimate (pcm)£1,250

Gross Yield7.14%

1y Growth+20.5%

3y Growth+3.8%

5y Growth+4.2%

10y Growth+5.6%

Last Sold Price£185,000 (2023-03-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0M45 8DZ

Approval Rate

-12mo

Development

low

73816
Single storey rear extension; Rear decking with steps
Pending
73749
Two Storey Side Extension with Hip to Gable Roof; Single Storey Front Extension; Single Storey Rear Extension
Pending
73732
Listed Building Consent for Replacement of existing windows and fabric repairs
Pending

View Planning Timeline

Ownership

Corporate Ownership71.1%
Overseas OwnershipNo
Lease Term Remaining832 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2023-03-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density-

Owner Occupied70%

Age Distribution

0-15 17%16-64 66%65+ 17%

View Area Profile

Schools Nearby

Ribble Drive Community Primary School
0.2 mi
Inspected as Ribble Drive Community Primary School (URN 105300) on 19 Nov 2019
Whitefield Community Primary School
0.4 mi
Inspected as Whitefield Community Primary School (URN 105310) on 17 Nov 2021
St Michael's Roman Catholic Primary School, A Voluntary Academy
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
All Saints Church of England Primary School, Stand
0.4 mi
Good

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

View All Schools

Comparables

View All

141 Moss Lane
-
£220k
-
147 Moss Lane
-
£210k
-
131 Moss Lane
-
£215k
-
171 Moss Lane
-
£175k
-

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