125 Keele House, The Midway, Newcastle under Lyme, ST5 1LD

UPRN:10024255770Flat/Maisonette1 bedsBuilt -

LeaseholdCouncil Tax: -EPC: C (75)

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

125 Keele House, The Midway, Newcastle under Lyme, ST5 1LD

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£71,000

£67k - £74kHigh

Estimate

£71k

Range

£67k – £74k

Rent Estimate (pcm)

£350

£350 - £400

Monthly

£350

Yield

7.64%

Verdict

Derived from HomePortfolio scores

125 Keele House earns an INVESTIGATE rating with HP Score 59/100. Investment score 66/100 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 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

59/ 100

Mixed

Investment Score

66/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 41Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead 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 23% above the ask. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +22.5% (HIGH), sold-comps +5.2%, £/sqft +5.5%] → measured edge +0.50pp 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 Oct 2026
- valuation_snapshotsestimate for 10024255770· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%· as of 21 Oct 2026
Rental economics19.3/40
gross yield 7.6%; range width penalty ×0.91; the estimate this rent rides on sits 23% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 350/mo (range 350-400)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 23% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -286/mo, -82% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.7/15
834 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 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£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £17,800
Net cash flow: £57/mo
Cash on cash: 3.8%
Score at this price: 36

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.89 - 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 10024255770Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 350/mo (range 350-400)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 23% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advert

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 350/mo (range 350-400)
Rental economics needs verification before you rely on it
sale estimate 23% 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£71,000

Rent Estimate (pcm)£350

Gross Yield7.64%

1y Growth-6.1%

3y Growth+3.9%

5y Growth+4.3%

10y Growth+3.4%

Last Sold Price£65,000 (2017-01-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST5 1LD

Approval Rate

-12mo

Development

low

26/00726/ADV
Application for consent to display advertisements at 11 Lancaster Building, Newcastle-under-Lyme, ST5 1PG (Grade II listed, NHLE 1391417). The proposal is a non-illuminated vinyl fascia sign to the shopfront and non-illuminated vinyl graphics to the shop window.
Pending
26/00753/ELD
Application for a Certificate of Lawfulness for Existing Use as a 4-bedroom House in Multiple Occupation (Use Class C4)
Pending
26/00757/TWA
T1 Lime Removal. On the grounds that the tree is causing damage to the neighbouring wall and is physically encroaching into a residents garden. These issues raise concerns regarding the protection of neighbouring property, the ongoing impact on the residents enjoyment and use of their garden, and the potential for further damage if the tree is retained. The trees proximity to the boundary and its apparent impact on the neighbouring wall suggest that its continued retention may be causing an unreasonable level of interference with the adjacent property. If the damage is ongoing, retaining the tree could result in further deterioration and increased repair costs. Removal would eliminate the source of the encroachment and allow the affected wall and boundary area to be repaired and maintained without continued interference from the tree. Furthermore, the trees encroachment into a residents garden affects the residents ability to enjoy and use their outdoor space without obstruction. The impact on neighbouring amenity and property should therefore be given due consideration when assessing whether the tree remains suitable for retention in its current location. On balance, removal of T1 Lime should be considered a reasonable and proportionate solution, subject to confirmation of the damage, the extent of the encroachment and an assessment of any alternative management options. Where the damage cannot be adequately resolved through pruning or other arboricultural measures, removal may be the most effective long-term means of preventing further interference with the neighbouring property.
Pending

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