118 St Stephens Road, York, YO24 3EF

UPRN:100050586802Purpose Built Flat3 bedsBuilt 1967-1975

Tenure: -Council Tax: Band AEPC: C (73)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£179,000

£170k - £188kHigh

Estimate

£179k

Range

£170k – £188k

Rent Estimate (pcm)

£850

£800 - £950

Monthly

£850

Yield

5.67%

Verdict

Derived from HomePortfolio scores

118 St Stephens Road earns an INVESTIGATE rating with HP Score 68/100. Investment score 47/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (65/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

47/ 100

Mixed

Crime Score

26/ 100

Moderate

Walkability

65/ 100

Moderate

Transit & Bike

Transit 28Bike 80

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£180,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£950

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: -£19/mo
Cash on cash: -0.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.40 - 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£179,000

Rent Estimate (pcm)£850

Gross Yield5.67%

1y Growth-

3y Growth+1.2%

5y Growth+3.0%

10y Growth+4.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0YO24 3EF

Approval Rate

-12mo

Development

low

26/01925/FUL
Erection of a single-storey rear and side extension.
Pending
26/01842/CPD
Certificate of lawfulness for proposed development of a single storey rear extension
Pending
26/01787/FUL
Two and single storey side extensions and single storey front extension
Pending

View Planning Timeline