Flat 1, 14 Lawton Road, Heaton Chapel, Stockport, SK4 2RG

UPRN:100011496590Semi-Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: -EPC: C (72)

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

Flat 1, 14 Lawton Road, Heaton Chapel, Stockport, SK4 2RG

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£686,000

£618k - £755kMedium

Estimate

£686k

Range

£618k – £755k

Rent Estimate (pcm)

£3,250

£3k - £4k

Monthly

£3,250

Yield

6.96%

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 73/100. Investment score 52/100 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

No data

Walkability

78/ 100

High

Transit & Bike

Transit 47Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the estimate sits 18% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +18.4% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100011496590· as of 9 Nov 2026
Rental economics14/40
gross yield 7.0%; range width penalty ×0.89; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 3250/mo (range 3000-3500)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -104/mo, -3% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 213 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 5 Nov 2026
Risk & liquidity12.8/15
388 sales/12mo in area; valuation range width 20%
- 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 sensitivity

£420,000£644,000

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£560,000

At the asking price

Monthly rent£3,250/mo

Evidenced range £3,000-£3,500

Interest rate5.4%

Loan to value75%

Cash required: £187,300
Net cash flow: £360/mo
Cash on cash: 2.3%
Score at this price: 27

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.72 - 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 100011496590Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3250/mo (range 3000-3500)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 3250/mo (range 3000-3500)
Rental economics needs verification before you rely on it
sale estimate 18% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£686,000

Rent Estimate (pcm)£3,250

Gross Yield6.96%

1y Growth-

3y Growth+1.1%

5y Growth+1.2%

10y Growth+3.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SK4 2RG

Approval Rate

-12mo

Development

low

DC/100596
T1 Lime tree. Remove deadwood plus reduce crown by 2 metres in order to gain more light. T2 Corkscrew Willow tree. Crown thin by 20% in order to gain more light. HAR/CA15, TPO 16N.
Pending
DC/100578
T1 Chestnut Crown to 6m. T2 Sycamore reduce by 3.5m. T3 Cypress hedge reduce to 3m and trim side. T4 Birch reduce by 3.5m. T5 Cypress reduce to 4.5m and trim side. T6 Birch reduce by 4m. T7 Beech reduce by 4m, crown lift to 5m. T8 Beech reduce by 4m, crown lift to 5m. T9 Sorbus reduce by 1.5m. T10 Cherry reduce back from building by up to 2m. HAR/ CA15, TPO 16N.
Pending
DC/100575
Conversion of existing storage areas into living accommodation and internal alterations
Pending

View Planning Timeline