Silver Cottage, 827 Wilmslow Road, Manchester, M20 2SN

UPRN:10003800947Flat/MaisonetteBeds -Built 1996-2002

LeaseholdCouncil Tax: Band CEPC: C (77)

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

Silver Cottage, 827 Wilmslow Road, Manchester, M20 2SN

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£386,000

£347k - £424kMedium

Estimate

£386k

Range

£347k – £424k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

5.01%

Verdict

Derived from HomePortfolio scores

Silver Cottage earns an INVESTIGATE rating with HP Score 80/100. Investment score 56/100 reflects moderate fundamentals. Walkability is excellent (95/100). 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 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

No data

Walkability

95/ 100

Excellent

Transit & Bike

Transit 78Bike 56

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 9 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -2.3% (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 12 Oct 2026
- valuation_snapshotsestimate for 10003800947· as of 12 Oct 2026
Rental economics0.1/40
gross yield 5.0%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1650/mo (range 1550-1800)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -584/mo, -35% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 49 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 9 Nov 2026
Risk & liquidity12.8/15
533 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

£296,000£454,000

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£395,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £129,550
Net cash flow: -£191/mo
Cash on cash: -1.8%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.24 - below 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 10003800947Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1550-1800)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 1650/mo (range 1550-1800)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£386,000

Rent Estimate (pcm)£1,650

Gross Yield5.01%

1y Growth-

3y Growth+2.6%

5y Growth+3.0%

10y Growth+4.8%

Last Sold Price£109,000 (1999-07-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1M20 2SN

Approval Rate

100%12mo

Development

low

PLA-2026-002099
Erection of single-storey rear and side extension, new opaque glazed window within the side gable at 1st floor and creation of off-street parking space.
Pending
PLA-2026-001854
Erection of single storey bus driver's welfare facility.
Pending
NOT-2026-002014
Works to trees - T1 Weeping Willow – remove deadwood; T5 Cotoneaster – coppice to 450mm; T10 Lawson Cypress – reduce to 6m high (& maintain at this level); T11 Lawson Cypress – reduce to 6m high (& maintain at this level); G1 Lawson Cypress – 13 no. trees; reduce in height; G2 Lawson Cypress – 9 no. trees; reduce to 6m high (& maintain at this level); G3 Lawson Cypress – 8 no. trees; reduce to 6m high (& maintain at this level); G4 Laurel – group; reduce to 6m high (& maintain at this level); G5 Laurel – group; reduce to 6m high (& maintain at this level).
Approved

View Planning Timeline

Ownership

Corporate Ownership50.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1999-07-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density-

Owner Occupied82%

Age Distribution

0-15 16%16-64 65%65+ 19%

View Area Profile

Schools Nearby

Parrs Wood High School
0.3 mi
Inspected as Parrs Wood High School (URN 105556) on 4 Dec 2013
The Barlow RC High School
0.3 mi
Good
St Catherine's RC Primary School
0.4 mi
Good
Didsbury CofE Primary School
0.4 mi
Good

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Beech House, 827 Wilmslow Road
-
£443k
-
Didsbury Lodge Hall, 827 Wilmslow Road
-
£600k
-
Didsbury Lodge Hall, 827 Wilmslow Road
-
£300k
-
Didsbury Lodge Hall, 827 Wilmslow Road
-
£414k
-

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