38 Highgate, Bradford, BD9 4BB

UPRN:100051175962Mid Terrace House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshOwnership· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£194,000

£185k - £204kHigh

Estimate

£194k

Range

£185k – £204k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

7.71%

Verdict

Derived from HomePortfolio scores

38 Highgate earns an INVESTIGATE rating with HP Score 74/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (69/100). 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 SourcesEPC RegisterPortal 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 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

74/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

33/ 100

Moderate

Walkability

69/ 100

Moderate

Transit & Bike

Transit 27Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 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 -8.2% (HIGH), sold-comps -70.7%, £/sqft -70.3%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 100051175962· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 22%· as of 31 Oct 2026
Rental economics21.2/40
gross yield 7.7%; range width penalty ×0.98
- valuation_snapshotsrent estimate 1350/mo (range 1300-1450)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -24/mo, -2% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 74 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 2 Nov 2026
Risk & liquidity14.7/15
123 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

£157,500£241,500

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£210,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,300-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: £226/mo
Cash on cash: 4.1%
Score at this price: 36

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.90 - 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 100051175962Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 22%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1350/mo (range 1300-1450)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 1350/mo (range 1300-1450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 74 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£194,000

Rent Estimate (pcm)£1,350

Gross Yield7.71%

1y Growth-

3y Growth+7.4%

5y Growth+5.2%

10y Growth+2.8%

Last Sold Price£148,000 (2007-02-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BD9 4BB

Approval Rate

-12mo

Development

low

26/03224/CPN
As indicated on the attached plan, there is a mature beech tree situated in the front garden of the property. On inspection from the ground, it was noted to be weighted over the road with low limbs over the road. The proposal is to reduce the lower branches back from the road and crown lift the tree to balance the crown. To cut back the lower branches by 3m from the road, as indicated by the red line on the plan then carry out a crown lift to 5.2m above the ground.
Pending
26/02941/HOU
Two storey side extension
Pending
26/03104/FUL
Replacement of existing external metal structure with covered canopy and shutters to front
Pending

View Planning Timeline

Ownership

Corporate Ownership40.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-02-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,424

Population Density3,292 /km²

Owner Occupied73%

Age Distribution

0-15 22%16-64 67%65+ 11%

View Area Profile

Schools Nearby

St Bede's and St Joseph's Catholic College, A Voluntary Academy
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Heaton St Barnabas' CofE Aided Primary School
0.1 mi
Good
Margaret McMillan Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Carlton Mills
0.5 mi
Good

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

View All Schools

Comparables

View All

42 Highgate
-
£100k
-
40A Highgate
-
£125k
-
36 Highgate
-
£126k
-
10B Highgate
-
£50k
-

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