Apartment 425, St Pauls Place, 40 St Pauls Square, Birmingham, B3 1GJ

UPRN:10024266340Flat/Maisonette1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: B (84)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Apartment 425, St Pauls Place, 40 St Pauls Square, Birmingham, B3 1GJ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£127,000

£102k - £153kLow

Estimate

£127k

Range

£102k – £153k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

6.50%

Verdict

Derived from HomePortfolio scores

Apartment 425 earns an INVESTIGATE rating with HP Score 72/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. 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)ONS Census 2021Police.ukHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

59/ 100

Elevated

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 11 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [sold-comps +0.0%, £/sqft -0.2%] → 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 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 8.1%· as of 22 Oct 2026
Rental economics10.7/40
gross yield 6.5%; range width penalty ×0.89
- valuation_snapshotsrent estimate 650/mo (range 600-700)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -158/mo, -24% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 11 Nov 2026· verify before relying on this
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity9.2/15
41 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 sensitivity

£90,000£138,000

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£120,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £45/mo
Cash on cash: 1.4%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.60 - 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): 12 comps, dispersion 8.1%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 600-700)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026 · verify before relying on this
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 650/mo (range 600-700)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
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£127,000

Rent Estimate (pcm)£650

Gross Yield6.50%

1y Growth+0.5%

3y Growth-5.0%

5y Growth-1.6%

10y Growth+2.6%

Last Sold Price£95,000 (2014-04-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B3 1GJ

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
2026/06157/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
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

View Planning Timeline

Ownership

Corporate Ownership15.6%
Overseas OwnershipNo
Lease Term Remaining108 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2014-04-30
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
-
£183k
-

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