Flat 5, Denbigh Villas, 57–59 High Lane, Manchester, M21 9FA

UPRN:10094428369Flat/MaisonetteBeds -Built before 1900

LeaseholdCouncil Tax: Band BEPC: C (76)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 5, Denbigh Villas, 57–59 High Lane, Manchester, M21 9FA

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

£340,000

£323k - £357kHigh

Estimate

£340k

Range

£323k – £357k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

3.59%

Verdict

Derived from HomePortfolio scores

Flat 5 earns an INVESTIGATE rating with HP Score 84/100. Investment score 68/100 reflects moderate fundamentals. Walkability is excellent (93/100). 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

84/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

No data

Walkability

93/ 100

Excellent

Transit & Bike

Transit 51Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 13 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 edge-1.6/15
claims [AVM -27.9% (HIGH), sold-comps -64.2%, £/sqft -64.0%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10094428369· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 16.5%· as of 7 Nov 2026
Rental economics0/40
gross yield 3.6%; range width penalty ×0.82
- valuation_snapshotsrent estimate 1300/mo (range 1200-1450)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,010/mo, -78% 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 13 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 134 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 13 Nov 2026
Risk & liquidity14.6/15
293 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

£326,000£500,000

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£435,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £143,550
Net cash flow: -£568/mo
Cash on cash: -4.7%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.89 - below 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 10094428369Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 16.5%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 1300/mo (range 1200-1450)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026

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 1300/mo (range 1200-1450)
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. 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£340,000

Rent Estimate (pcm)£1,300

Gross Yield3.59%

1y Growth+12.6%

3y Growth+2.3%

5y Growth+4.8%

10y Growth+5.3%

Last Sold Price£312,500 (2023-10-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2M21 9FA

Approval Rate

0%12mo

Development

low

PLA-2026-002154
Variation of Condition 7 (Hours of Operation) attached to planning permission 045383/FO/SOUTH2/94 for the 'Erection of a 32 seat restaurant with drive-thru facility and 14 parking spaces with landscaped area and 21 parking spaces for 435 Barlow Moor Road', to allow the premises to operate between 07:00 and 00:00 Sunday to Thursday (drive-through only from 23:00) and between 07:00 and 01:00 Friday and Saturday (drive-through only from 00:00)
Pending
PLA-2026-002207
Erection of a single storey rear extension following demolition of existing single storey rear outrigger
Pending
PLA-2026-002164
Installation of rear dormer extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership45.1%
Overseas OwnershipNo
Lease Term Remaining117 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2023-10-31
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 Density-

Owner Occupied53%

Age Distribution

0-15 13%16-64 74%65+ 13%

View Area Profile

Schools Nearby

Chorlton CofE Primary School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Manchester Islamic Grammar School for Girls
0.1 mi
Inspected by ISI
Oswald Road Primary School
0.3 mi
Good
Brookburn Community School
0.3 mi
Good

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

View All Schools

Comparables

View All

Denbigh Villas, 57 - 59 High Lane
-
£417k
-
Denbigh Villas, 57 - 59 High Lane
-
£310k
-
Denbigh Villas, 57 - 59 High Lane
-
£280k
-
Denbigh Villas, 57 - 59 High Lane
-
£325k
-

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