48 Stocks Lane, Stalybridge, SK15 2NU

UPRN:10014258153Detached House5 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band DEPC: C (74)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£416,000

£375k - £458kMedium

Estimate

£416k

Range

£375k – £458k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

20.00%

Verdict

Derived from HomePortfolio scores

48 Stocks Lane earns an INVESTIGATE rating with HP Score 76/100. Investment score 59/100 reflects moderate fundamentals. Walkability is good (76/100). 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

59/ 100

Moderate

Crime Score

No data

Walkability

76/ 100

High

Transit & Bike

Transit 38Bike 35

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

estimate implies a 71% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

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£120,000

At the asking price

Monthly rent£2,000/mo

Evidenced range £1,850-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £980/mo
Cash on cash: 31.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.94 - clears 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£416,000

Rent Estimate (pcm)£2,000

Gross Yield20.00%

1y Growth-3.8%

3y Growth+7.1%

5y Growth+4.2%

10y Growth+4.5%

Last Sold Price£232,000 (2017-06-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SK15 2NU

Approval Rate

-12mo

Development

low

26/00083/TPO
Tree Works
Pending
26/00852/HHPD
Single storey rear extension. The length of the extension from the rear of the original house 4.95m. Maximum height of the extension 3.00m. Maximum height of eaves 3.00m
Pending
26/00117/PLCOND
Full Discharge of Condition 15 (Window Schedule), Condition 16 (UV Treatment) of Planning Reference 26/00577/LBC
Pending

View Planning Timeline

Ownership

Corporate Ownership68%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-06-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,877

Population Density-

Owner Occupied77%

Age Distribution

0-15 17%16-64 66%65+ 17%

View Area Profile

Schools Nearby

St Paul's CofE Primary School, Stalybridge
0.2 mi
Good
Wild Bank Primary School
0.3 mi
Requires improvement
St. Peter's Catholic Primary School, a Voluntary Academy
0.3 mi
Inspected as St Peter's Catholic Primary School (URN 106241) on 5 Dec 2023
Dixons Pennine Academy
0.5 mi
Good

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

View All Schools

Comparables

View All

105 Stocks Lane
-
£215k
-
97 Stocks Lane
-
£258k
-
107 Stocks Lane
-
£180k
-
117 Stocks Lane
-
£325k
-

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