Apartment 124, Orion Building, 90 Navigation Street, Birmingham, B5 4AB

UPRN:10023504569Flat/MaisonetteBeds -Built 2012-2021

LeaseholdCouncil Tax: Band FEPC: C (74)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Apartment 124, Orion Building, 90 Navigation Street, Birmingham, B5 4AB

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£221,000

£177k - £266kLow

Estimate

£221k

Range

£177k – £266k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

10.71%

Verdict

Derived from HomePortfolio scores

Apartment 124 earns an INVESTIGATE rating with HP Score 69/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (93/100). 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 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)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

69/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

66/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 80Bike 64

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics38.4/40
gross yield 10.7%; range width penalty ×0.96; the estimate this rent rides on sits 37% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1250/mo (range 1150-1300)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 37% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin15.8/30
stressed cash flow +198/mo, +16% 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 10 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
69 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£140,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,150-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £43,600
Net cash flow: £393/mo
Cash on cash: 10.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.65 - 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_snapshotsrent estimate 1250/mo (range 1150-1300)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 37% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 Nov 2026
property_intelligencetransactions_12mo

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1250/mo (range 1150-1300)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£221,000

Rent Estimate (pcm)£1,250

Gross Yield10.71%

1y Growth+116.7%

3y Growth-10.6%

5y Growth-5.8%

10y Growth+2.0%

Last Sold Price£277,501 (2006-03-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0B5 4AB

Approval Rate

-12mo

Development

low

2026/06376/PA
Application for a lawful development certificate to confirm the demolition works undertaken at the site constitute material operations that were carried out lawfully and therefore that planning permission ref. 2022/08119/PA, granted on 5 December 2023 has been lawfully implemented
Pending
2026/06180/PA
Display of one internally illuminated digital LED full motion advertisement screen
Pending
2026/06157/PA
Outline planning application for the demolition of existing buildings and the creation of a new mixed-use development comprising residential (Use Class C3); office and workspace (Use Class E(g)); retail and food and beverage (Use Class E(a, b, c)); community use(s) (Use Class F); leisure (sui generis); and associated infrastructure, public realm, landscaping, access, cycle parking, accessible parking and servicing. All matters are reserved other than landscaping for Union Street and the matters of scale; siting; and appearance relating to two buildings.
Pending

View Planning Timeline

Ownership

Corporate Ownership25.4%
Overseas OwnershipNo
Lease Term Remaining101 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2006-03-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,180

Population Density9,907 /km²

Owner Occupied17%

Age Distribution

0-15 7%16-64 90%65+ 3%

View Area Profile

Schools Nearby

University College Birmingham
0.3 mi
-
City Academy
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Catherine of Siena Catholic Primary School
0.4 mi
Good
St Thomas Church of England Primary School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

Orion Building, 90 Navigation Street
-
£180k
-
Orion Building, 90 Navigation Street
-
£145k
-
Orion Building, 90 Navigation Street
-
£75k
-
Orion Building, 90 Navigation Street
-
£165k
-

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