Flat 45, 347 Moss Lane East, Manchester, M14 4LB

UPRN:10012208284Purpose Built Flat3 bedsBuilt 2007 onwards

LeaseholdCouncil Tax: -EPC: B (81)

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

Flat 45, 347 Moss Lane East, Manchester, M14 4LB

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£152,000

£144k - £159kHigh

Estimate

£152k

Range

£144k – £159k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

6.69%

Verdict

Derived from HomePortfolio scores

Flat 45 earns an INVESTIGATE rating with HP Score 85/100. Investment score 79/100 reflects strong fundamentals. Walkability is good (83/100). 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

85/ 100

Strong

Investment Score

79/ 100

High

Crime Score

No data

Walkability

83/ 100

High

Transit & Bike

Transit 64Bike 53

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 6 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 -0.3% (HIGH), sold-comps -1.0%, £/sqft -0.7%] → 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 9 Nov 2026
- valuation_snapshotsestimate for 10012208284· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24.6%· as of 8 Nov 2026
Rental economics29.6/40
gross yield 8.7% on contractual rent (listing-disclosed tenancy); contractual 1200/mo far above the 850/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1200/mo (tenanted)· as of 6 Nov 2026· verify before relying on this
Stress margin3.5/30
stressed cash flow +39/mo, +4% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 10 price cut(s), unknown 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 6 Nov 2026
Risk & liquidity14.7/15
284 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 sensitivityScores 70+ up to £122,000

£114,500£175,500

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£152,500

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £47,600
Net cash flow: £74/mo
Cash on cash: 1.9%
Score at this price: 48

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - 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 10012208284Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 24.6%Valuation edge · as of 8 Nov 2026
listing_factscontractual rent 1200/mo (tenanted)Rental economics · as of 6 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

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 1200/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.
10 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £122,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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£152,000

Rent Estimate (pcm)£850

Gross Yield6.69%

1y Growth+8.4%

3y Growth+3.6%

5y Growth+5.9%

10y Growth+5.8%

Last Sold Price£169,950 (2007-03-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0M14 4LB

Approval Rate

-12mo

Development

low

PLA-2026-002033
Use of property as a house in multiple occupation (Use Class C4).
Pending
OTH-2026-002131
Discharge of Condition 13 (Highways Works) attached to planning permission 143777/FO/2025.
Pending
PLA-2026-001765
Erection of a two-storey roof extension to create ancillary live/work accommodation above the existing shop.
Pending

View Planning Timeline

Ownership

Corporate Ownership67.5%
Overseas OwnershipNo
Lease Term Remaining105 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2007-03-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density4,203 /km²

Owner Occupied8%

Age Distribution

0-15 12%16-64 87%65+ 1%

View Area Profile

Schools Nearby

Manchester Academy
0.0 mi
Good
Webster Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Holy Name Roman Catholic Primary School Manchester
0.2 mi
Outstanding
Claremont Primary School
0.3 mi
Good

2 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

347 Moss Lane East
-
£140k
-
347 Moss Lane East
-
£105k
-
347 Moss Lane East
-
£143k
-
347 Moss Lane East
-
£140k
-

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