42 Otter Croft, Birmingham, B34 7SE

UPRN:100070471817Terrace Property3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band BEPC: C (73)

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

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

£175,000

£166k - £183kHigh

Estimate

£175k

Range

£166k – £183k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

7.89%

Verdict

Derived from HomePortfolio scores

42 Otter Croft earns an INVESTIGATE rating with HP Score 57/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (10/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

10/ 100

Low

Transit & Bike

Transit 42Bike 37

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 edge2.5/15
claims [AVM +0.0% (HIGH), sold-comps +19.7%, £/sqft +19.9%] → measured edge +0.50pp 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 100070471817· as of 11 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23%· as of 3 Nov 2026
Rental economics23.1/40
gross yield 7.9%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1150/mo (range 1100-1200)· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -23/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 10 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 113 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 & liquidity14.7/15
154 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 £135,500

£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£1,150/mo

Evidenced range £1,100-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £54,800
Net cash flow: £206/mo
Cash on cash: 4.5%
Score at this price: 40

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.95 - 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 100070471817Valuation edge · as of 11 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23%Valuation edge · as of 3 Nov 2026
valuation_snapshotsrent estimate 1150/mo (range 1100-1200)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 1150/mo (range 1100-1200)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 113 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £135,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£175,000

Rent Estimate (pcm)£1,150

Gross Yield7.89%

1y Growth+21.3%

3y Growth+1.1%

5y Growth+4.1%

10y Growth+5.1%

Last Sold Price£155,000 (2025-01-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B34 7SE

Approval Rate

-12mo

Development

low

PL/2026/01967/PPOL
Outline application for the erection of two new two storey terraced dwellings on land adjacent to 94 Kingshurst Way (including access, appearance, landscaping, layout and scale)
Pending
2026/06051/PA
Erection of 5 metre deep single storey rear extension. Maximum height 3.9 metres, eaves height 2.8 metres
Pending
PL/2026/01746/MINFHO
Single storey detached gym/games room with storage above. Amendment to previous application PL/2023/02199/MINFHO to increase footprint and addition of 1no extra rooflight
Approved

View Planning Timeline

Ownership

Corporate Ownership58.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-01-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,180

Population Density2,434 /km²

Owner Occupied48%

Age Distribution

0-15 22%16-64 60%65+ 18%

View Area Profile

Schools Nearby

Hillstone Primary School
0.2 mi
Good
SILVER BIRCH SCHOOL
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Timberley Academy
0.4 mi
Good
Guardian Angels Catholic Primary School
0.4 mi
Good

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

View All Schools

Comparables

View All

44 Otter Croft
-
£120k
-
42 Otter Croft
-
£155k
-
58 Otter Croft
-
£210k
-
9 Otter Croft
-
£175k
-

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