46 Cyril Road, Birmingham, B10 0TG

UPRN:100070342197Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (68)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£190,000

£181k - £200kHigh

Estimate

£190k

Range

£181k – £200k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

9.26%

Verdict

Derived from HomePortfolio scores

46 Cyril Road earns an INVESTIGATE rating with HP Score 74/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (77/100). 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 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

74/ 100

Mixed

Investment Score

72/ 100

High

Crime Score

34/ 100

Moderate

Walkability

77/ 100

High

Transit & Bike

Transit 2Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 10 Nov 2026

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

Valuation edge0/15
claims [AVM +7.9% (HIGH), sold-comps -5.4%, £/sqft -5.6%] → 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 11 Nov 2026
- valuation_snapshotsestimate for 100070342197· as of 11 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 20.9%· as of 1 Nov 2026
Rental economics33.3/40
gross yield 9.3%; range width penalty ×0.98
- valuation_snapshotsrent estimate 1350/mo (range 1300-1450)· as of 11 Nov 2026· verify before relying on this
Stress margin9.2/30
stressed cash flow +124/mo, +9% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 123 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 10 Nov 2026
Risk & liquidity14.6/15
42 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 sensitivityScores 70+ up to £153,000

£131,000£201,000

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£175,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,300-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £54,800
Net cash flow: £344/mo
Cash on cash: 7.5%
Score at this price: 57

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.29 - 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 100070342197Valuation edge · as of 11 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 20.9%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1350/mo (range 1300-1450)Rental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
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), 123 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. Set your walk-away price before viewing - above £153,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£190,000

Rent Estimate (pcm)£1,350

Gross Yield9.26%

1y Growth+10.5%

3y Growth+7.3%

5y Growth+7.0%

10y Growth+7.0%

Last Sold Price£103,000 (2007-04-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B10 0TG

Approval Rate

-12mo

Development

low

2026/06446/PA
ERECTION OF SINGLE STOREY REAR EXTENSION.
Pending
2026/06366/PA
Erection of 6 metre deep single storey rear extension. Maximum height 3.8 metres, eaves height 2.8 metres
Pending
2026/06159/PA
Erection of 6 metre deep single storey rear extension. Maximum height 3.9 metres, eaves height 2.8 metres
Approved

View Planning Timeline