14 Talbot Way, Banks, Southport, PR9 8SQ

UPRN:10012363203Semi-Detached HouseBeds -Built 2022

FreeholdCouncil Tax: Band CEPC: B (84)

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

14 Talbot Way, Banks, Southport, PR9 8SQ

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£416,000

£333k - £500kLow

Estimate

£416k

Range

£333k – £500k

Rent Estimate (pcm)

£2,650

£3k - £3k

Monthly

£2,650

Yield

12.23%

Verdict

Derived from HomePortfolio scores

14 Talbot Way earns an INVESTIGATE rating with HP Score 85/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is very low. 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 listingsMarket 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)ONS 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

74/ 100

High

Crime Score

13/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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 estimate sits 38% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [sold-comps -7.9%, £/sqft -7.7%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 3.8%· as of 22 Oct 2026
Rental economics40/40
gross yield 12.2%; range width penalty ×1.00; the estimate this rent rides on sits 38% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2650/mo (range 2500-2750)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 38% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin27.2/30
stressed cash flow +721/mo, +27% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 103 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 4 Nov 2026
Risk & liquidity9.2/15
470 sales/12mo in area; valuation range width 40%
- 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+ above the tested range (still 70+ at £299,000)

£208,000£299,000

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£260,000

At the asking price

Monthly rent£2,650/mo

Evidenced range £2,500-£2,750

Interest rate5.4%

Loan to value75%

Cash required: £82,300
Net cash flow: £957/mo
Cash on cash: 14.0%
Score at this price: 76

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.02 - 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

property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 3.8%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 2650/mo (range 2500-2750)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 38% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_date

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 2650/mo (range 2500-2750)
Rental economics needs verification before you rely on it
sale estimate 38% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Set your own walk-away price before viewing - the deal still scores 70+ at £299,000, the top of the tested range, so the score gives no ceiling below that.
Computed by re-running the score at higher prices; it never dropped below the threshold.
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£416,000

Rent Estimate (pcm)£2,650

Gross Yield12.23%

1y Growth+69.8%

3y Growth+0.9%

5y Growth+2.1%

10y Growth+2.8%

Last Sold Price£244,995 (2024-09-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PR9 8SQ

Approval Rate

-12mo

Development

low

2026/0889/LDP
Certificate of Lawfulness (Proposed) - Erection of a fence and railing.
Pending
2026/0744/ADV
Advertisement Consent - Retrospective Fascia signs with trough lighting.
Pending
2026/0743/FUL
Retrospective proposed shop front, shutters and signs.
Pending

View Planning Timeline

Ownership

Corporate Ownership68.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-09-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,884

Population Density188 /km²

Owner Occupied83%

Age Distribution

0-15 13%16-64 62%65+ 25%

View Area Profile

Schools Nearby

Banks St Stephen's CofE School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Banks Methodist School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John's Church of England Primary School
1.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Tarleton Mere Brow Church of England Primary School
1.5 mi
GoodConcerns

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

View All Schools

Comparables

View All

9 Talbot Way
-
£245k
-
15 Talbot Way
-
£280k
-
12 Talbot Way
-
£245k
-
11 Talbot Way
-
£245k
-

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