Apartment 15, Covent Garden View, Massey Street, Stockport, SK1 3GE

UPRN:10094501517Flat/MaisonetteBeds -Built -

Tenure: -Council Tax: -EPC: B (83)

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

Apartment 15, Covent Garden View, Massey Street, Stockport, SK1 3GE

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£148,000

£133k - £163kMedium

Estimate

£148k

Range

£133k – £163k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

4.50%

Verdict

Derived from HomePortfolio scores

Apartment 15 earns an INVESTIGATE rating with HP Score 86/100. Investment score 81/100 reflects strong fundamentals. Walkability is excellent (96/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

86/ 100

Strong

Investment Score

81/ 100

High

Crime Score

No data

Walkability

96/ 100

Excellent

Transit & Bike

Transit 78Bike 55

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 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-0.6/15
claims [AVM -62.2% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10094501517· as of 13 Oct 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.98
- valuation_snapshotsrent estimate 900/mo (range 850-950)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -481/mo, -53% 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 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 82 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 5 Nov 2026
Risk & liquidity12.8/15
167 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 sensitivity

£180,000£276,000

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£240,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: -£187/mo
Cash on cash: -3.0%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - 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 10094501517Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-950)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 900/mo (range 850-950)
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.
1 price cut(s) recorded on the listing history.
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£148,000

Rent Estimate (pcm)£900

Gross Yield4.50%

1y Growth-

3y Growth+3.5%

5y Growth+5.6%

10y Growth+5.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0SK1 3GE

Approval Rate

-12mo

Development

low

DC/100599
Discharge of conditions 9 (ecology otters) and 50b (flood risk) of DC/095294
Pending
DC/100595
Non-material amendment to planning permission ref: DC/091580 to incorporate highway and public realm works being undertaken prior to construction of the Phase 5 new office building.
Pending
DC/100554
Lawful Development Certificate for Existing Use as a 6-bedroom House is Multiple Occupation (use class C4)
Pending

View Planning Timeline

Ownership

Corporate Ownership57.7%
Overseas OwnershipNo
Lease Term Remaining117 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£33,565

Population Density1,751 /km²

Owner Occupied16%

Age Distribution

0-15 16%16-64 74%65+ 10%

View Area Profile

Schools Nearby

St Joseph's Catholic Primary School, a Voluntary Academy
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Pure Innovations Trading As Pure College
0.2 mi
-
St Thomas' Church of England Primary School Stockport
0.3 mi
Requires improvement
Our Lady's Catholic Primary School
0.4 mi
Good

0 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1 Massey Street
-
£220k
-
Covent Garden View Massey Street
-
£99k
-
Covent Garden View Massey Street
-
£120k
-
3 Massey Street
-
£151k
-

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