Apartment 225, St Pauls Place, 40 St Pauls Square, Birmingham, B3 1FQ

UPRN:10024266258Terraced1 bedsBuilt 2007 onwards

LeaseholdCouncil Tax: Band BEPC: C (79)

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

Apartment 225, St Pauls Place, 40 St Pauls Square, Birmingham, B3 1FQ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£204,000

£163k - £245kLow

Estimate

£204k

Range

£163k – £245k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

14.73%

Verdict

Derived from HomePortfolio scores

Apartment 225 earns an INVESTIGATE rating with HP Score 72/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (98/100). 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

72/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

59/ 100

Elevated

Walkability

98/ 100

Excellent

Transit & Bike

Transit 55Bike 66

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£110,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,300-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £563/mo
Cash on cash: 19.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.64 - 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£204,000

Rent Estimate (pcm)£1,350

Gross Yield14.73%

1y Growth+0.5%

3y Growth-5.0%

5y Growth-1.6%

10y Growth+2.6%

Last Sold Price£95,000 (2014-06-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B3 1FQ

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
2026/06114/PA
Application to determine details for condition number 1 (method statement for repair works) attached to listed building consent 2026/01036/PA
Pending
2026/06115/PA
Application to determine details for condition number 2 (stone and mortar details) attached to listed building consent 2026/01036/PA.
Pending

View Planning Timeline

Ownership

Corporate Ownership15.7%
Overseas OwnershipNo
Lease Term Remaining108 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2014-06-25
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£30,180

Population Density6,511 /km²

Owner Occupied17%

Age Distribution

0-15 2%16-64 97%65+ 1%

View Area Profile

Schools Nearby

Jewellery Quarter Academy
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
University College Birmingham
0.3 mi
-
Oakbridge School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
City United Academy (CUA)
0.4 mi
Good

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

View All Schools

Comparables

View All

St Pauls Place, 40 St Pauls Square
-
£117k
-
St Pauls Place, 40 St Pauls Square
-
£240k
-
St Pauls Place, 40 St Pauls Square
-
£340k
-
St Pauls Place, 40 St Pauls Square
-
£280k
-

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