Flat 1/6, Waterloo Mill, Waterloo Street, Leek, ST13 8AT

UPRN:10002953789Converted Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band BEPC: C (78)

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

Flat 1/6, Waterloo Mill, Waterloo Street, Leek, ST13 8AT

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£124,000

£118k - £131kHigh

Estimate

£124k

Range

£118k – £131k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

8.16%

Verdict

Derived from HomePortfolio scores

Flat 1/6 earns an INVESTIGATE rating with HP Score 71/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (86/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket 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 company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

48/ 100

Elevated

Walkability

86/ 100

Excellent

Transit & Bike

Transit 16Bike 46

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - 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£125,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: £167/mo
Cash on cash: 5.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.01 - 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£124,000

Rent Estimate (pcm)£850

Gross Yield8.16%

1y Growth-8.2%

3y Growth+1.8%

5y Growth+1.1%

10y Growth+3.4%

Last Sold Price£115,000 (2022-07-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ST13 8AT

Approval Rate

-12mo

Development

low

SMD/2026/0515
Application for Consent to Display an Advertisement - Replacement shop sign
Pending
SMD/2026/0511
Form accessible access into south porch main entrance, comprising creating ramped access and 2no. additional steps
Pending
SMD/2026/0503
Erection of boundary fence
Rejected

View Planning Timeline

Ownership

Corporate Ownership68.6%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2022-07-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,065

Population Density8,768 /km²

Owner Occupied52%

Age Distribution

0-15 17%16-64 65%65+ 18%

View Area Profile

Schools Nearby

St Mary's Catholic Academy
0.2 mi
Inspected as St Mary's Catholic Primary School (URN 124356) on 17 Nov 2011
Westwood First School
0.2 mi
Good
St Edward's Church of England Academy
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Woodcroft Academy
0.5 mi
Good

0 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Waterloo Mill Waterloo Street
-
£120k
-
Waterloo Mill Waterloo Street
-
£110k
-
Waterloo Mill Waterloo Street
-
£115k
-
Waterloo Mill Waterloo Street
-
£120k
-

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