55 Cottage Lane, Nether Whitacre, Coleshill, Birmingham, B46 2EJ

UPRN:10001170952Bungalow Property2 bedsBuilt 2003-2006

FreeholdCouncil Tax: -EPC: B (89)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

55 Cottage Lane, Nether Whitacre, Coleshill, Birmingham, B46 2EJ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£517,000

£491k - £543kHigh

Estimate

£517k

Range

£491k – £543k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

4.73%

Verdict

Derived from HomePortfolio scores

55 Cottage Lane earns an INVESTIGATE rating with HP Score 57/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (29/100). 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 NationsMarket 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

57/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

42/ 100

Elevated

Walkability

29/ 100

Low

Transit & Bike

Transit 3Bike 27

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£520,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,850-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £173,300
Net cash flow: -£336/mo
Cash on cash: -2.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - below 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£517,000

Rent Estimate (pcm)£2,050

Gross Yield4.73%

1y Growth-

3y Growth+1.2%

5y Growth+1.5%

10y Growth+3.1%

Last Sold Price£267,500 (2012-07-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2B46 2EJ

Approval Rate

100%12mo

Development

low

2026/0808/AVC
Seciton 73 application to vary condition 2 (Approved plans) of PAP/2025/0596 (Erection of two storey side and rear extension and part single storey rear extension) to extend single storey projection and two storey rear extension width
Pending
2026/0754/LAWP
Application for a Certificate of Lawfulness for Proposed Development under section 192 of the Town and Country Planning Act 1990 for the erection of an outbuilding for purposes incidental to the enjoyment of the dwellinghouse pursuant to Schedule 2, Part 1, Class E of the Town and Country Planning (General Permitted Development) (England) Order 2015 (as amended), comprising a private swimming pool, domestic gym and ancillary home office
Pending
2026/0669/AVC
Section 73 application for removal of conditions 6 (Ancillary accommodation) & 7 (Amenity separation) of permission PAP/2019/0574 (Change of use of existing garage and gardeners facility into a Granny Annexe)
Pending

View Planning Timeline

Ownership

Corporate Ownership61.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-07-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,067

Population Density61 /km²

Owner Occupied81%

Age Distribution

0-15 15%16-64 61%65+ 24%

View Area Profile

Schools Nearby

Shustoke CofE Primary School
1.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
THE SECRET GARDEN SCHOOL
1.9 mi
Good
High Meadow Community School
2.1 mi
Good
Curdworth Primary School
2.3 mi
Good

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Woodstock Cottage Lane
-
£665k
-
37 Cottage Lane
-
£750k
-
31 Cottage Lane
-
£585k
-
31 Cottage Lane
-
£285k
-

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