3 Cumberland Avenue, Clifton, Swinton, Manchester, M27 8HN

UPRN:100011355792Mid Terrace House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: -EPC: D (68)

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

3 Cumberland Avenue, Clifton, Swinton, Manchester, M27 8HN

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£217,000

£206k - £228kHigh

Estimate

£217k

Range

£206k – £228k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

10.80%

Verdict

Derived from HomePortfolio scores

3 Cumberland Avenue earns an INVESTIGATE rating with HP Score 71/100. Investment score 57/100 reflects moderate fundamentals. Walkability is good (78/100). 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

No data

Walkability

78/ 100

High

Transit & Bike

Transit 46Bike 37

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£150,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,300-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £428/mo
Cash on cash: 11.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.67 - 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£217,000

Rent Estimate (pcm)£1,350

Gross Yield10.80%

1y Growth-

3y Growth+1.5%

5y Growth+3.4%

10y Growth+5.4%

Last Sold Price£114,000 (2021-03-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M27 8HN

Approval Rate

-12mo

Development

low

OTH/2026/1484
Request for confirmation of compliance of conditions 3 (asbestos removal) and 4 (materials) attached to planning permission PA/2025/0559
Pending
PA/2026/1422
De-carbonisation works comprising of thermal over-cladding of building, new solar PV installations and air source heat pumps
Pending
NOT/2026/1308
Change of use of part first floor from Class E (Offices) to 2 self-contained apartments (Class C3).
Pending

View Planning Timeline