30 Stone Gate House, Stone Street, Bradford, BD1 4QF

UPRN:10010569167Flat/Maisonette1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band BEPC: B (82)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

30 Stone Gate House, Stone Street, Bradford, BD1 4QF

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£50,000

£45k - £55kMedium

Estimate

£50k

Range

£45k – £55k

Rent Estimate (pcm)

£300

£250 - £300

Monthly

£300

Yield

6.55%

Verdict

Derived from HomePortfolio scores

30 Stone Gate House earns an INVESTIGATE rating with HP Score 65/100. Investment score 80/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

80/ 100

High

100

Crime Score

100/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 89Bike 52

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -10.0% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10010569167· as of 9 Oct 2026
Rental economics28.1/40
gross yield 8.5% on contractual rent (listing-disclosed tenancy); contractual 500/mo far above the 300/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 500/mo (tenanted)· as of 3 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -75/mo, -19% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 414 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 3 Nov 2026
Risk & liquidity12.8/15
68 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

£41,000£63,000

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£55,000

At the asking price

Monthly rent£300/mo

Evidenced range £250-£300

Interest rate5.4%

Loan to value75%

Cash required: £17,800
Net cash flow: £22/mo
Cash on cash: 1.5%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.62 - 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 10010569167Valuation edge · as of 9 Oct 2026
listing_factscontractual rent 500/mo (tenanted)Rental economics · as of 3 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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
contractual rent 500/mo (tenanted)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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£50,000

Rent Estimate (pcm)£300

Gross Yield6.55%

1y Growth-

3y Growth+1.4%

5y Growth+9.4%

10y Growth+4.4%

Last Sold Price£90,000 (2005-03-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BD1 4QF

Approval Rate

-12mo

Development

low

24/04900/SUB06
Submission of details required by condition 13 (TRO) of planning permission 24/04900/MAF
Pending
26/03280/SCR
Screening opinion request for construction of Further Education campus with associated landscaping, car parking and multiuse games area
Pending
26/03219/MAF
Construction of further education campus (use class F1), with associated landscaping, car parking and MUGA (Multi-Use Games Area)
Pending

View Planning Timeline

Ownership

Corporate Ownership24%
Overseas OwnershipNo
Lease Term Remaining103 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2005-03-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,424

Population Density4,301 /km²

Owner Occupied3%

Age Distribution

0-15 15%16-64 84%65+ 1%

View Area Profile

Schools Nearby

The Home Study Project Co Pakistan Community and Neighbourhood Assoc
0.4 mi
-
School of Rock & Media Ltd
0.5 mi
-
Abbey Green Nursery School
0.5 mi
OutstandingImproving
Green Lane Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

1 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Stone Gate House Stone Street
-
£57k
-
Stone Gate House Stone Street
-
£40k
-
Stone Gate House Stone Street
-
£45k
-
Stone Gate House Stone Street
-
£70k
-

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