Checkley Bank Cottage, Church Lane, Checkley, Stoke-on-Trent, ST10 4NF

UPRN:10008040526Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (50)

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

Checkley Bank Cottage, Church Lane, Checkley, Stoke-on-Trent, ST10 4NF

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£590,000

£531k - £649kMedium

Estimate

£590k

Range

£531k – £649k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

2.47%

Verdict

Derived from HomePortfolio scores

Checkley Bank Cottage earns an INVESTIGATE rating with HP Score 65/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (14/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

14/ 100

Low

Transit & Bike

Transit 3Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 11 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the advert has 8 bedrooms but the valuation snapshot describes 4 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -68.6% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10008040526· as of 9 Nov 2026
Rental economics0/40
gross yield 2.5%; range width penalty ×0.76
- valuation_snapshotsrent estimate 2050/mo (range 1800-2250)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,821/mo, -138% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 121 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 11 Nov 2026
Risk & liquidity12.8/15
259 sales/12mo in area; valuation range width 20%
- 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

£746,000£1,144,000

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£995,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,800-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £343,050
Net cash flow: -£1,939/mo
Cash on cash: -6.8%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.61 - below 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 10008040526Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2050/mo (range 1800-2250)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 2050/mo (range 1800-2250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 121 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£590,000

Rent Estimate (pcm)£2,050

Gross Yield2.47%

1y Growth-

3y Growth+0.7%

5y Growth+1.2%

10y Growth+4.4%

Last Sold Price£429,000 (2019-07-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ST10 4NF

Approval Rate

-12mo

Development

low

P/2026/00861
Application under Section 19 of the Planning (Listed Building/Conservation Areas) Act 1990 to vary condition 2 (plans) attached to Listed Building Consent P/2025/00811 for internal alterations to include replacement of lintels, repair / replacement of timber purlins, removal of lath and plaster to assess timber rafters, treatment of woodworm, installation of supports to strengthen lime ash floor, repair and remedial works to screed, lagging of pipework, removal of black mould including stripping of plastered walls and new lime plaster skim, treatment of timber members/panels and external alterations to include replacement of lead flashing around roof lights and replacement of trimmers, removal of render and replace with lime based render system including replacement of any spalled bricks the variation is to replace the spalling brickwork, rebuild brickwork arches over four windows, installation of lead soakers and flashing skirt between stone coping on the North East Elevation
Pending
SMD/2026/0227
Replace existing outbuilding with modern garden room
Pending
SMD/2026/0085
Erection of 2no self-build dwellings
Approved

View Planning Timeline

Ownership

Corporate Ownership74.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-07-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,517

Population Density29 /km²

Owner Occupied87%

Age Distribution

0-15 15%16-64 60%65+ 25%

View Area Profile

Schools Nearby

Hutchinson Memorial CofE First School
0.3 mi
Requires improvementConcerns
All Saints' CofE First School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Great Wood Community Primary School
1.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Thomas' Catholic Primary School
1.6 mi
Outstanding

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

View All Schools

Comparables

View All

The Barn
-
£485k
-
Checkley Bank Cottage Church Lane
-
£429k
-
The Barn
-
£325k
-
The Barn
-
£123k
-

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