30 City Gardens, St. Helens, WA10 6UP

UPRN:39012239Terrace Property2 bedsBuilt England and Wales: before 1900

FreeholdCouncil Tax: -EPC: E (54)AI-Powered Intelligence

Data freshness:Listing· freshPrice Paid· 2mo agoPlanning· 1mo agoEPC· 4mo agoRisk· 3mo agoCrime· freshConnectivity· 3mo agoSchools· 3mo agoAmenities· 3mo agoArea· Census 2021

Location map - no listing photos available

HP Score

/ 100

Strong

Verdict

today

BUY
Strong fundamentals
INVESTIGATE
Mixed signals - investigate
AVOID
High risk factors

Confidence

High

Sale Estimate

£169,000

£161k - £178kHigh

Estimate

£169k

Range

£161k – £178k

Rent Estimate (pcm)

£1,150

£1k - £1kMedium

Monthly

£1,150

Yield

4.54%

AI Verdict

Derived from HomePortfolio scores

AI summary

30 City Gardens earns a INVESTIGATE rating with HP Score 71/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (59/100). Flood risk is rated very low. Tenure is freehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

71/ 100

High

Investment Score

56/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

59/ 100

Moderate

Transit & Bike

Moderate

Real Data

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 10 Sept 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge18/40
claims [AVM +11.2% (HIGH)] → consensus +11.2% → credited 2.5% after backtest shrinkage; single-source claim - capped pending corroboration
- zoopla_valuationsestimate for 39012239· as of 12 Aug 2026
Rental economics30/30
gross yield 9.2%; range width penalty ×1.00
- zoopla_valuationsrent estimate 1150/mo (range 1100-1200)· as of 12 Aug 2026· verify before relying on this
Seller motivation5/20
0 price cut(s), 243 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 10 Sept 2026
Risk & liquidity9.8/10
492 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Calibrated against 6,141 realised listing→HMLR-sale outcomes, estimates taken as-of listing month. A large discount from one source alone is capped - independent sources must agree before it counts fully.

Economics

What happens to your money

Price sensitivity

£112,500£172,500

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£150,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £290/mo
Cash on cash: 7.4%
Score at this price: 63

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.27 - 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

zoopla_valuationsestimate for 39012239Valuation edge · as of 12 Aug 2026
zoopla_valuationsrent estimate 1150/mo (range 1100-1200)Rental economics · as of 12 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 10 Sept 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1150/mo (range 1100-1200)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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 discount as unconfirmed - compare recent sold prices on the street yourself before pricing an offer around it.
Only one independent source currently supports the valuation edge.
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£169,000

Rent Estimate (pcm)£1,150

Gross Yield4.54%

1y Growth-

3y Growth+4.6%

5y Growth+4.3%

10y Growth+3.1%

Last Sold Price£69,950 (2017-03-24)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonModerate
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1WA10 6UP

Approval Rate

-12mo

Development

low

P/2026/0041/CLP
Certificate of lawfulness for proposed use of dwelling as children's home for care of 1no child.
Decided

View Planning Timeline

Ownership

Corporate Ownership49.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-03-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£28,468

Population Density-

Owner Occupied60%

Age Distribution

0-15 16%16-64 60%65+ 24%

View Area Profile

Schools Nearby

Cowley International College
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Rivington Primary School
0.4 mi
Good
St Thomas of Canterbury Catholic Primary School
0.7 mi
Good
This Is My Education - TIME
0.8 mi
Requires improvement

3 of 12 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

27 City Gardens
-
£172k
-
15 City Gardens
-
£160k
-
36 City Gardens
-
£235k
-
46 City Gardens
-
£110k
-

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