Flat 3, Sawmill Court, 3 Murray Street, Manchester, M4 6HS

UPRN:10093688906Flat/MaisonetteBeds -Built -

Tenure: -Council Tax: Band CEPC: C (73)

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

Flat 3, Sawmill Court, 3 Murray Street, Manchester, M4 6HS

HP Score

/ 100

Strong

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£255,000

£204k - £306kLow

Estimate

£255k

Range

£204k – £306k

Rent Estimate (pcm)

£1,500

£1k - £2k

Monthly

£1,500

Yield

6.67%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 82/100. Investment score 61/100 reflects moderate fundamentals. Walkability is excellent (97/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

82/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

No data

Walkability

97/ 100

Excellent

Transit & Bike

Transit 87Bike 54

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 7 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [sold-comps +12.6%, £/sqft +12.6%] → measured edge +0.50pp 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 10.7%· as of 4 Nov 2026
Rental economics12.4/40
gross yield 6.7%; range width penalty ×0.93
- valuation_snapshotsrent estimate 1500/mo (range 1400-1600)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -212/mo, -14% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 7 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 467 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 & liquidity9.2/15
279 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

£202,500£310,500

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£270,000

At the asking price

Monthly rent£1,500/mo

Evidenced range £1,400-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £85,800
Net cash flow: £127/mo
Cash on cash: 1.8%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - 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 10.7%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 1500/mo (range 1400-1600)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from 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 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 1500/mo (range 1400-1600)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 467 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 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£255,000

Rent Estimate (pcm)£1,500

Gross Yield6.67%

1y Growth-13.7%

3y Growth-9.8%

5y Growth-3.1%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0M4 6HS

Approval Rate

-12mo

Development

low

OTH-2026-002172
Discharge of Condition 27a (Highway Works) attached to Planning Permission PLA-2026-001348.
Pending
OTH-2026-002103
Discharge of Condition 7b (Contaminated Land) attached to planning permission 131708/FO/2021.
Pending
OTH-2026-002118
Discharge of condition 5 (b) (Acoustic Verification) attached to planning application ref no 131037/VO/2021.
Pending

View Planning Timeline

Ownership

Corporate Ownership12.4%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£30,067

Population Density3,565 /km²

Owner Occupied21%

Age Distribution

0-15 2%16-64 90%65+ 8%

View Area Profile

Schools Nearby

Co-op Academy New Islington
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Patrick's RC Primary School, a Voluntary Academy
0.4 mi
Inspected as St Patrick's RC Primary School (URN 105535) on 16 Nov 2021
Abbott Community Primary School
0.4 mi
Outstanding
The Cooperative College
0.4 mi
-

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

View All Schools

Comparables

View All

K503 Kennedy Building, 6 Murray Street
-
£180k
-
K502 Kennedy Building, 6 Murray Street
-
£220k
-
K703 Kennedy Building, 6 Murray Street
-
£440k
-
K602 Kennedy Building, 6 Murray Street
-
£220k
-

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