20 Alma Street, Queensbury, Bradford, BD13 2HB

UPRN:100051130369Terrace Property3 bedsBuilt -

FreeholdCouncil Tax: Band AEPC: -

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

20 Alma Street, Queensbury, Bradford, BD13 2HB

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£106,000

£101k - £111kHigh

Estimate

£106k

Range

£101k – £111k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

8.00%

Verdict

Derived from HomePortfolio scores

20 Alma Street earns an INVESTIGATE rating with HP Score 77/100. Investment score 70/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (72/100). 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 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 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

24/ 100

Moderate

Walkability

72/ 100

High

Transit & Bike

Transit 26Bike 19

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 6 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +0.9% (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 Oct 2026
- valuation_snapshotsestimate for 100051130369· as of 9 Oct 2026
Rental economics37.7/40
gross yield 9.7% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 850/mo (tenanted)· as of 6 Nov 2026
Stress margin6.1/30
stressed cash flow +52/mo, +6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 141 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
351 sales/12mo in area; valuation range width 9%
- 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 sensitivityScores 70+ up to £86,500

£79,000£120,500

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£105,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: £130/mo
Cash on cash: 4.8%
Score at this price: 58

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - 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 100051130369Valuation edge · as of 9 Oct 2026
listing_factscontractual rent 850/mo (tenanted)Rental economics · as of 6 Nov 2026
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 reduced
fewer independent sources agree, or a component could not be scored
Seller motivation could not be scored
context, not scored: 0 price cut(s), 141 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 →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Set your walk-away price before viewing - above £86,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£106,000

Rent Estimate (pcm)£700

Gross Yield8.00%

1y Growth-

3y Growth+7.4%

5y Growth+4.0%

10y Growth+3.5%

Last Sold Price£80,250 (2008-07-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BD13 2HB

Approval Rate

-12mo

Development

low

26/03126/HVC
Variation of condition 2 (approved plans) of planning permission 26/01486/HOU for single storey side extension to allow for increase in width of extension from 3.3 metres to 4.5 metres
Pending
24/00015/SUB09
Submission of details required by condition 19 (Ground Condition) of planning permission 24/00015/MAF
Pending
26/02803/HOU
Rear extension with terrace above
Pending

View Planning Timeline

Ownership

Corporate Ownership78.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-07-04
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£28,424

Population Density1,140 /km²

Owner Occupied59%

Age Distribution

0-15 19%16-64 61%65+ 20%

View Area Profile

Schools Nearby

Russell Hall Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Shibden Head Primary Academy
0.3 mi
GoodConcerns
Trinity Academy Bradford
0.3 mi
Good
Foxhill Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

23 - 25 Alma Street
-
£107k
-
17 Alma Street
-
£107k
-
21 Alma Street
-
£70k
-
7 Alma Street
-
£110k
-

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