65 Stanley Road, Radcliffe, Manchester, M26 4HG

UPRN:100011008639Terrace Property3 bedsBuilt 1950-1966

Tenure: -Council Tax: Band BEPC: C (69)

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

65 Stanley Road, Radcliffe, Manchester, M26 4HG

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£224,000

£213k - £235kHigh

Estimate

£224k

Range

£213k – £235k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

8.80%

Verdict

Derived from HomePortfolio scores

65 Stanley Road earns an INVESTIGATE rating with HP Score 67/100. Investment score 53/100 reflects moderate fundamentals. Walkability is limited (53/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

67/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

No data

Walkability

53/ 100

Moderate

Transit & Bike

Transit 24Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 13 Nov 2026

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

Valuation edge0/15
claims [AVM -0.4% (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 10 Nov 2026
- valuation_snapshotsestimate for 100011008639· as of 10 Nov 2026
Rental economics30.4/40
gross yield 8.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1650/mo (range 1550-1700)· as of 10 Nov 2026· verify before relying on this
Stress margin8.1/30
stressed cash flow +134/mo, +8% 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 13 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 87 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 13 Nov 2026
Risk & liquidity14.7/15
389 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 70+ up to £197,000

£169,000£258,500

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£225,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £70,800
Net cash flow: £383/mo
Cash on cash: 6.5%
Score at this price: 53

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.17 - 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 100011008639Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1650/mo (range 1550-1700)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 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 1650/mo (range 1550-1700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 87 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 £197,000 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£224,000

Rent Estimate (pcm)£1,650

Gross Yield8.80%

1y Growth+8.0%

3y Growth+7.9%

5y Growth+3.6%

10y Growth+4.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1M26 4HG

Approval Rate

-12mo

Development

low

73724
Lawful development certificate for proposed change of use from dwellinghouse Class C3(a) to home for 1 adult Class C3(b)
Pending
73695
Lawful development certificate for proposed change of use from dwelling (Class C3) to childrens home for one child (Class C2)
Pending
73679
Single storey front extension
Pending

View Planning Timeline

Ownership

Corporate Ownership47.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density-

Owner Occupied82%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

St Andrew's Church of England Primary School, Radcliffe
0.2 mi
Good
Wesley Methodist Primary School
0.2 mi
Good
Radcliffe Primary School
0.5 mi
Good
St Mary's Roman Catholic Primary School, A Voluntary Academy
0.7 mi
Inspected as St Mary's Roman Catholic Primary School, Radcliffe (URN 105353) on 8 Dec 2022

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

View All Schools

Comparables

View All

30 Stanley Road
-
£220k
-
20 Stanley Road
-
£156k
-
106 Stanley Road
-
£200k
-
22 Stanley Road
-
£185k
-

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