Apartment 14, Martins Mill, Pellon Lane, Halifax, HX1 5QJ

UPRN:10093208233Flat/Maisonette1 bedsBuilt -

LeaseholdCouncil Tax: Band AEPC: C (70)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Apartment 14, Martins Mill, Pellon Lane, Halifax, HX1 5QJ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£59,000

£56k - £62kHigh

Estimate

£59k

Range

£56k – £62k

Rent Estimate (pcm)

£300

£250 - £350

Monthly

£300

Yield

9.73%

Verdict

Derived from HomePortfolio scores

Apartment 14 earns an INVESTIGATE rating with HP Score 58/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (87/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

66/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

87/ 100

Excellent

Transit & Bike

Transit 100Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 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 +37.3% (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 9 Oct 2026
- valuation_snapshotsestimate for 10093208233· as of 9 Oct 2026
Rental economics40/40
gross yield 12.6% on contractual rent (listing-disclosed tenancy); contractual 525/mo far above the 300/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 525/mo (tenanted)· as of 3 Nov 2026· verify before relying on this
Stress margin0.1/30
stressed cash flow +1/mo, +0% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 14 price cut(s), 204 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 3 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

£29,500£42,500

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£37,000

At the asking price

Monthly rent£300/mo

Evidenced range £250-£350

Interest rate5.4%

Loan to value75%

Cash required: £10,550
Net cash flow: £83/mo
Cash on cash: 9.4%
Score at this price: 55

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.40 - 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 10093208233Valuation edge · as of 9 Oct 2026
listing_factscontractual rent 525/mo (tenanted)Rental economics · as of 3 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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
contractual rent 525/mo (tenanted)
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. Ask the agent why the price was reduced and whether a previous sale fell through.
14 price cut(s) recorded on the listing history.
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£59,000

Rent Estimate (pcm)£300

Gross Yield9.73%

1y Growth-16.7%

3y Growth+9.1%

5y Growth+6.5%

10y Growth+5.8%

Last Sold Price£69,950 (2018-12-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HX1 5QJ

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
26/00862/192
Proposed side extension to provide a garage under permitted development
Pending
26/22050/TCA
Prune 1 tree to reduce encroachment (tree conservation area)
Approved

View Planning Timeline

Ownership

Corporate Ownership63.6%
Overseas OwnershipNo
Lease Term Remaining240 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2018-12-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,708

Population Density-

Owner Occupied11%

Age Distribution

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

View Area Profile

Schools Nearby

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

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Martins Mill Pellon Lane
-
£55k
-
Martins Mill Pellon Lane
-
£41k
-
Martins Mill Pellon Lane
-
£52k
-
Martins Mill Pellon Lane
-
£45k
-

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