11 St Albans Avenue, Stockport, SK4 4LR

UPRN:100011521780Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: D (58)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£632,000

£569k - £695kMedium

Estimate

£632k

Range

£569k – £695k

Rent Estimate (pcm)

£3,500

£3k - £4k

Monthly

£3,500

Yield

7.18%

Verdict

Derived from HomePortfolio scores

11 St Albans Avenue earns an INVESTIGATE rating with HP Score 75/100. Investment score 56/100 reflects moderate fundamentals. Walkability is good (83/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

No data

Walkability

83/ 100

High

Transit & Bike

Transit 41Bike 54

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +7.4% (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 13 Oct 2026
- valuation_snapshotsestimate for 100011521780· as of 13 Oct 2026
Rental economics16.4/40
gross yield 7.2%; range width penalty ×0.94
- valuation_snapshotsrent estimate 3500/mo (range 3250-3700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -25/mo, -1% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 39 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 4 Nov 2026
Risk & liquidity12.9/15
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

£439,000£673,000

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£585,000

At the asking price

Monthly rent£3,500/mo

Evidenced range £3,250-£3,700

Interest rate5.4%

Loan to value75%

Cash required: £196,050
Net cash flow: £449/mo
Cash on cash: 2.7%
Score at this price: 29

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.77 - 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 100011521780Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 3500/mo (range 3250-3700)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3500/mo (range 3250-3700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 39 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. 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£632,000

Rent Estimate (pcm)£3,500

Gross Yield7.18%

1y Growth-11.9%

3y Growth+1.1%

5y Growth+1.2%

10y Growth+3.1%

Last Sold Price£335,000 (2015-08-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SK4 4LR

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