78 Campbell Terrace, Stoke-on-Trent, ST1 6LS

UPRN:3455017893End Terrace House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (62)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 3mo agoAmenities· 2mo agoArea· Census 2021

78 Campbell Terrace, Stoke-on-Trent, ST1 6LS

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£182,000

£164k - £200kMedium

Estimate

£182k

Range

£164k – £200k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

5.78%

Verdict

Derived from HomePortfolio scores

78 Campbell Terrace earns an INVESTIGATE rating with HP Score 78/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (64/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

72/ 100

High

Crime Score

16/ 100

Moderate

Walkability

64/ 100

Moderate

Transit & Bike

Transit 19Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 4 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: the advert has 6 bedrooms but the valuation snapshot describes 4 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -48.4% (MEDIUM), sold-comps -54.3%, £/sqft -54.5%] → 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 3455017893· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.2%· as of 30 Oct 2026
Rental economics20.1/40
gross yield 7.5% on contractual rent (listing-disclosed tenancy); contractual 1850/mo far above the 1300/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1850/mo (tenanted)· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -27/mo, -2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 67 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 4 Nov 2026
Risk & liquidity12.9/15
346 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

£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£1,300/mo

Evidenced range £1,250-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £85,800
Net cash flow: -£11/mo
Cash on cash: -0.2%
Score at this price: 32

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.43 - 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 3455017893Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.2%Valuation edge · as of 30 Oct 2026
listing_factscontractual rent 1850/mo (tenanted)Rental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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
contractual rent 1850/mo (tenanted)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 67 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. 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£182,000

Rent Estimate (pcm)£1,300

Gross Yield5.78%

1y Growth-

3y Growth+1.6%

5y Growth+2.8%

10y Growth+2.0%

Last Sold Price£232,500 (2019-10-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST1 6LS

Approval Rate

-12mo

Development

low

26/PNH/00464
Single-storey rear extension.
Pending
26/PNH/00391
Single storey rear extension (prior approval)
Pending
26/FUL/00326
Change of use to a residential care home for adults (Use Class C2)
Pending

View Planning Timeline

Ownership

Corporate Ownership69.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-10-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,041

Population Density-

Owner Occupied55%

Age Distribution

0-15 18%16-64 69%65+ 13%

View Area Profile

Schools Nearby

St George and St Martin's Catholic Academy
0.1 mi
Inspected as St George and St Martin's Catholic Primary School (URN 124318) on 8 Mar 2007
Co-op Academy Hamilton
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Co-op Academy Grove
0.2 mi
Good
Co-op Academy Northwood
0.4 mi
Inspected as Northwood Broom Community School (URN 123995) on 5 Feb 2013

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

48 Campbell Terrace
-
£100k
-
36 Campbell Terrace
-
£65k
-
36 Campbell Terrace
-
£57k
-
60 Campbell Terrace
-
£116k
-

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