Flat 58, Courier House, 9 King Cross Street, Halifax, HX1 2DG

UPRN:10093207568Flat/Maisonette1 bedsBuilt -

LeaseholdCouncil Tax: Band AEPC: D (64)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 58, Courier House, 9 King Cross Street, Halifax, HX1 2DG

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£60,000

£57k - £63kHigh

Estimate

£60k

Range

£57k – £63k

Rent Estimate (pcm)

£300

£250 - £350

Monthly

£300

Yield

6.55%

Verdict

Derived from HomePortfolio scores

Flat 58 earns an INVESTIGATE rating with HP Score 58/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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

58/ 100

Mixed

Investment Score

63/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 100Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 10 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 [AVM +8.3% (HIGH)] → 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 (HIGH confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 10093207568· as of 14 Nov 2026
Rental economics6.6/40
gross yield 6.5%; range width penalty ×0.53
- valuation_snapshotsrent estimate 300/mo (range 250-350)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -142/mo, -47% 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 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 142 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 10 Nov 2026
Risk & liquidity14.6/15
190 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£300/mo

Evidenced range £250-£350

Interest rate5.4%

Loan to value75%

Cash required: £17,800
Net cash flow: £22/mo
Cash on cash: 1.5%
Score at this price: 21

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.62 - 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 10093207568Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 300/mo (range 250-350)Rental economics · as of 14 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_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 300/mo (range 250-350)
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£60,000

Rent Estimate (pcm)£300

Gross Yield6.55%

1y Growth+75.9%

3y Growth+9.1%

5y Growth+6.5%

10y Growth+5.8%

Last Sold Price£70,500 (2018-03-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HX1 2DG

Approval Rate

-12mo

Development

low

26/22060/TCA
Fell Two Cherry Trees at Front of AICP Centre Site, Facing Hopwood Lane. These trees have become a significant safety concern. During the recent storms, several very large branches fell from the trees onto the public pavement and the road. Also one of the trees has a pronounced lean, and this leaning nature means further branches, or the trees themselves, could fail and cause considerably more damage.
Pending
26/22059/TCA
Prune one tree (Tree in a Conservation Area)
Pending
26/00895/LBC
Removal of two existing internal glazed windows and infilling of the openings with recessed acoustic insulated stud wall partitions to improve acoustic and visual privacy (Listed Building Consent)
Pending

View Planning Timeline

Ownership

Corporate Ownership63.6%
Overseas OwnershipNo
Lease Term Remaining115 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2018-03-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,708

Population Density1,770 /km²

Owner Occupied11%

Age Distribution

0-15 12%16-64 73%65+ 15%

View Area Profile

Schools Nearby

St Mary's Catholic Primary Academy
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Beacon Lights Schools
0.3 mi
Good
Trinity Sixth Form Academy
0.4 mi
-
Beech Hill School
0.4 mi
Inspected as Beech Hill Junior and Infant School (URN 107488) on 26 Jan 2011

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

View All Schools

Comparables

View All

Courier House, 9 King Cross Street
-
£60k
-
Courier House, 9 King Cross Street
-
£45k
-
Courier House, 9 King Cross Street
-
£85k
-
Courier House, 9 King Cross Street
-
£150k
-

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