276 Mottram Road, Matley, Stalybridge, SK15 2SU

UPRN:100012777314Semi-Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band CEPC: -

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

276 Mottram Road, Matley, Stalybridge, SK15 2SU

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£408,000

£388k - £428kHigh

Estimate

£408k

Range

£388k – £428k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

5.12%

Verdict

Derived from HomePortfolio scores

276 Mottram Road earns an INVESTIGATE rating with HP Score 62/100. Investment score 48/100 reflects below-average fundamentals. Walkability is limited (36/100). 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 SourcesPortal 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

No data

Walkability

36/ 100

Mixed

Transit & Bike

Transit 17Bike 18

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -0.5% (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 9 Nov 2026
- valuation_snapshotsestimate for 100012777314· as of 9 Nov 2026
Rental economics0.8/40
gross yield 5.1%; range width penalty ×0.86
- valuation_snapshotsrent estimate 1750/mo (range 1600-1900)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -573/mo, -33% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 126 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 6 Nov 2026
Risk & liquidity14.7/15
242 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 sensitivity

£307,500£471,500

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£410,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,600-£1,900

Interest rate5.4%

Loan to value75%

Cash required: £134,800
Net cash flow: -£172/mo
Cash on cash: -1.5%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - 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 100012777314Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1750/mo (range 1600-1900)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1750/mo (range 1600-1900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 126 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. 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£408,000

Rent Estimate (pcm)£1,750

Gross Yield5.12%

1y Growth-

3y Growth+7.1%

5y Growth+4.2%

10y Growth+4.5%

Last Sold Price£70,000 (1999-12-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0SK15 2SU

Approval Rate

-12mo

Development

low

26/00806/FUL
Proposed single storey rear extension
Pending
26/00721/FUL
Erection of a double garage and bike store. Extension of existing driveway to create a turning circle at the front of the house and to meet the new double garage.
Pending
26/00050/TPO
Tree works
Approved

View Planning Timeline

Ownership

Corporate Ownership68%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-12-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,877

Population Density1,486 /km²

Owner Occupied93%

Age Distribution

0-15 17%16-64 54%65+ 29%

View Area Profile

Schools Nearby

Stalyhill Infant School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stalyhill Junior School
0.4 mi
Good
Hawthorns School
1.0 mi
Inspected as Hawthorns Community School (URN 106277) on 9 Oct 2008
Arundale Primary School
1.0 mi
Inspected as Arundale Primary School (URN 106184) on 3 Feb 2023

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

View All Schools

Comparables

View All

272 Mottram Road
-
£370k
-
262 Mottram Road
-
£380k
-
272 Mottram Road
-
£360k
-
Matley View, 252A Mottram Road
-
£475k
-

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