Garden Terrace Apartment 14, New Mill, Kell Lane, Wainstalls, Halifax, HX2 7UW

UPRN:10035035359Flat/Maisonette1 bedsBuilt 1996-2002

LeaseholdCouncil Tax: -EPC: C (78)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Garden Terrace Apartment 14, New Mill, Kell Lane, Wainstalls, Halifax, HX2 7UW

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£100,000

£90k - £110kMedium

Estimate

£100k

Range

£90k – £110k

Rent Estimate (pcm)

£750

£700 - £750

Monthly

£750

Yield

10.11%

Verdict

Derived from HomePortfolio scores

Garden Terrace Apartment 14 earns an INVESTIGATE rating with HP Score 69/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (14/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

14/ 100

Low

Transit & Bike

Transit 9Bike 7

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 7 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +11.0% (MEDIUM)] → 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
Market estimate used (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 10035035359· as of 10 Oct 2026
Rental economics40/40
gross yield 10.1%; range width penalty ×1.00
- valuation_snapshotsrent estimate 750/mo (range 700-750)· as of 10 Oct 2026· verify before relying on this
Stress margin6.1/30
stressed cash flow +46/mo, +6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 7 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 122 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 7 Nov 2026
Risk & liquidity12.8/15
364 sales/12mo in area; valuation range width 20%
- 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 sensitivityScores 70+ up to £69,000

£67,000£102,500

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£89,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £28,000
Net cash flow: £219/mo
Cash on cash: 9.4%
Score at this price: 59

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.50 - 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 10035035359Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-750)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 122 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Set your walk-away price before viewing - above £69,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£100,000

Rent Estimate (pcm)£750

Gross Yield10.11%

1y Growth-

3y Growth+5.6%

5y Growth+5.6%

10y Growth+3.7%

Last Sold Price£87,000 (2017-05-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0HX2 7UW

Approval Rate

-12mo

Development

low

26/00623/HSE
Reconstruction of barn to facilitate extension
Pending
25/20166/TPO
Management of trees (including felling and pruning) (Tree Preservation Order)
Approved
25/00789/VAR
Variation of condition 15 on 24/00329/FUL: remove the time frame of Opportunities for Habitat Enhancement and Creation Report to the commencement of the development
Approved

View Planning Timeline

Ownership

Corporate Ownership70.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-05-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,708

Population Density110 /km²

Owner Occupied76%

Age Distribution

0-15 13%16-64 64%65+ 23%

View Area Profile

Schools Nearby

Wainstalls School
0.3 mi
Inspected as Wainstalls School (URN 107493) on 19 Jun 2012
Ash Green Community Primary School
1.3 mi
-
Midgley School
1.6 mi
Inspected as Midgley School (URN 107517) on 23 Mar 2022
Abbey Park Academy
1.7 mi
Good

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

View All Schools

Comparables

View All

New Mill Kell Lane
-
£215k
-
New Mill Kell Lane
-
£195k
-
New Mill Kell Lane
-
£163k
-
New Mill Kell Lane
-
£174k
-

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