Clover Cottage, Greendale Lane, Mottram St. Andrew, Macclesfield, SK10 4AY

UPRN:10007947426Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band FEPC: C (75)

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

Clover Cottage, Greendale Lane, Mottram St. Andrew, Macclesfield, SK10 4AY

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£2,437,000

£2.32M - £2.56MHigh

Estimate

£2.44M

Range

£2.32M – £2.56M

Rent Estimate (pcm)

£9,450

£9k - £10k

Monthly

£9,450

Yield

4.63%

Verdict

Derived from HomePortfolio scores

Clover Cottage earns an INVESTIGATE rating with HP Score 65/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (2/100). 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

65/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

2/ 100

Low

Transit & Bike

Transit 2Bike 6

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

asking price missing or outside scoring range
listing is 'Under offer' - sale already progressing, not an actionable opportunity
listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£2,450,000

At the asking price

Monthly rent£9,450/mo

Evidenced range £8,550-£10,350

Interest rate5.4%

Loan to value75%

Cash required: £944,050
Net cash flow: -£1,726/mo
Cash on cash: -2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£2,437,000

Rent Estimate (pcm)£9,450

Gross Yield4.63%

1y Growth-

3y Growth+0.3%

5y Growth-0.2%

10y Growth+3.3%

Last Sold Price£780,000 (2015-06-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SK10 4AY

Approval Rate

-12mo

Development

low

26/1634/PRIOR-1AA
Prior approval for the enlargement of the property by way of the construction of an additional storey under permitted development rights. Existing height of the dwellinghouse is 4.13m and the proposed height would be 6.75m.
Pending
26/1204/VOC
Variation of condition 2 on approved application 23/1262M: Full planning application for the erection of a replacement dwelling.
Pending
26/0998/PRIOR-1A
Prior approval for two single-storey rear extensions, each 8m in depth. With a maximum height of 2.44m and an eaves height of 2.28m.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-06-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,221

Population Density362 /km²

Owner Occupied93%

Age Distribution

0-15 17%16-64 51%65+ 32%

View Area Profile

Schools Nearby

Prestbury CofE Primary School
0.7 mi
Good
Mottram St Andrew Primary Academy
1.0 mi
Report card2025
Ofsted no longer awards a single overall grade.
The King's School In Macclesfield
1.3 mi
Inspected by ISI
Upton Priory School
1.7 mi
Good

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Oaklands Greendale Lane
-
£910k
-
Hartforth Barn Greendale Lane
-
£1.48M
-
Cashmere Barn Greendale Lane
-
£1.50M
-
Copse Green Barn Greendale Lane
-
£1.40M
-

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