3 Sumburgh Croft, Birmingham, B35 6DD

UPRN:100070528592Mid Terrace HouseBeds -Built 1976-1982

Tenure: -Council Tax: Band AEPC: B (82)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£228,000

£216k - £239kHigh

Estimate

£228k

Range

£216k – £239k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

7.09%

Verdict

Derived from HomePortfolio scores

3 Sumburgh Croft earns an INVESTIGATE rating with HP Score 73/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (76/100). 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

73/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

27/ 100

Moderate

Walkability

76/ 100

High

Transit & Bike

Transit 49Bike 69

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 4 Nov 2026

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

Valuation edge2.5/15
claims [AVM +3.5% (HIGH), sold-comps +15.1%, £/sqft +15.2%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 100070528592· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 10%· as of 24 Oct 2026
Rental economics16.2/40
gross yield 7.1%; range width penalty ×0.97
- valuation_snapshotsrent estimate 1300/mo (range 1200-1350)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -103/mo, -8% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 118 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 4 Nov 2026
Risk & liquidity14.6/15
37 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

£165,000£253,000

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£220,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £69,200
Net cash flow: £157/mo
Cash on cash: 2.7%
Score at this price: 33

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.75 - 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 100070528592Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 10%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 1300/mo (range 1200-1350)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1300/mo (range 1200-1350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 118 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. 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£228,000

Rent Estimate (pcm)£1,300

Gross Yield7.09%

1y Growth-

3y Growth-1.6%

5y Growth+5.2%

10y Growth+5.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0B35 6DD

Approval Rate

-12mo

Development

low

2026/06318/PA
Erection of 6 metre deep single storey rear extension. Maximum height 3.8 metres, eaves height 2.9 metres
Pending
2026/04591/PA
Erection of detached outbuilding to rear to form annex
Conditions
2026/02766/PA
Change of use from single dwelling (Use Class C3) to children's home (Use Class C2) for upto two children including garage conversion into a staff office/sleeping facility
Pending

View Planning Timeline

Ownership

Corporate Ownership60.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,180

Population Density4,124 /km²

Owner Occupied35%

Age Distribution

0-15 20%16-64 63%65+ 17%

View Area Profile

Schools Nearby

Topcliffe Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Castle Vale Nursery School
0.2 mi
Outstanding
St Gerard's Catholic Primary School
0.3 mi
Good
Ebn Academy 2
0.3 mi
Good

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

View All Schools

Comparables

View All

17 Sumburgh Croft
-
£125k
-
17 Sumburgh Croft
-
£72k
-
9 Sumburgh Croft
-
£95k
-
15 Sumburgh Croft
-
£56k
-

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