Flat 16, Garden Court, 231–232 Ladywood Middleway, Birmingham, B16 8EU

UPRN:100071285191Purpose Built Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: Band BEPC: E (45)

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

Flat 16, Garden Court, 231–232 Ladywood Middleway, Birmingham, B16 8EU

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£113,000

£107k - £119kHigh

Estimate

£113k

Range

£107k – £119k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

6.23%

Verdict

Derived from HomePortfolio scores

Flat 16 earns an INVESTIGATE rating with HP Score 77/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (93/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

77/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

38/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 33Bike 66

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing 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 -2.2% (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 12 Oct 2026
- valuation_snapshotsestimate for 100071285191· as of 12 Oct 2026
Rental economics8.6/40
gross yield 6.2%; range width penalty ×0.87
- valuation_snapshotsrent estimate 600/mo (range 550-650)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -176/mo, -29% 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), 54 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 & liquidity14.5/15
148 sales/12mo in area; valuation range width 11%
- 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

£86,500£133,000

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£115,500

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £35,950
Net cash flow: £26/mo
Cash on cash: 0.9%
Score at this price: 23

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.54 - 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 100071285191Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 600/mo (range 550-650)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 600/mo (range 550-650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 54 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£113,000

Rent Estimate (pcm)£600

Gross Yield6.23%

1y Growth+6.4%

3y Growth+3.3%

5y Growth+0.2%

10y Growth+5.8%

Last Sold Price£110,500 (2022-09-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B16 8EU

Approval Rate

-12mo

Development

low

2026/05815/PA
Application to determine the details for condition number (4 - Additional ecological survey, 5-Further Bat Survey, 6 - Construction Ecological Management Plan (CEcMP) ,11- Contamination Remediation Scheme,12 - Contaminated land verification report, 13 - construction method statement, 14 - Ecological/biodiversity/enhancement measures, 15 - The Biodiversity Gain Plan, 16 -Foul and surface water flows, 25 - hard and/or soft landscape, 26 -Hard surfacing materials, 28 - Boundary treatment details) attached to reference number 2024/05715/PA
Pending
2026/05768/PA
Application to determine the details for condition number (2- Approval of external materials 6- Submission of a lighting scheme) attached to reference number 2024/05341/PA
Pending
2026/05671/PA
Application for a lawful development certificate for the installation of a portable building to provide classroom facilities
Pending

View Planning Timeline

Ownership

Corporate Ownership57.7%
Overseas OwnershipNo
Lease Term Remaining128 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-09-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,180

Population Density13,265 /km²

Owner Occupied12%

Age Distribution

0-15 15%16-64 81%65+ 4%

View Area Profile

Schools Nearby

St John's & St Peter's CofE Primary
0.2 mi
Good
Mander Portman Woodward Independent College
0.3 mi
Inspected by ISI
St George's Church of England Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hopwood Hall School
0.3 mi
Inspected by ISI

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

View All Schools

Comparables

View All

Garden Court, 231 - 232 Ladywood Middleway
-
£135k
-
Garden Court, 231 - 232 Ladywood Middleway
-
£120k
-
Garden Court, 231 - 232 Ladywood Middleway
-
£117k
-
Garden Court, 231 - 232 Ladywood Middleway
-
£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