10 Lorne Street, Stoke-on-Trent, ST6 1AR

UPRN:3455063137Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (60)

Data freshness:Listing· freshPrice Paid· freshPlanning· 5mo agoEPC· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

10 Lorne Street, Stoke-on-Trent, ST6 1AR

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

18 of 21 sources

Sale Estimate

£102,000

£97k - £108kHigh

Estimate

£102k

Range

£97k – £108k

Rent Estimate (pcm)

£750

£750 - £800

Monthly

£750

Yield

8.18%

Verdict

Derived from HomePortfolio scores

10 Lorne Street earns an INVESTIGATE rating with HP Score 68/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (86/100). 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

68/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

55/ 100

Elevated

Walkability

86/ 100

Excellent

Transit & Bike

Transit 20Bike 54

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£110,000

At the asking price

Monthly rent£750/mo

Evidenced range £750-£800

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £148/mo
Cash on cash: 5.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.02 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£102,000

Rent Estimate (pcm)£750

Gross Yield8.18%

1y Growth-9.7%

3y Growth+3.6%

5y Growth+3.6%

10y Growth+3.6%

Last Sold Price£75,000 (2017-12-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST6 1AR

Approval Rate

-12mo

Development

low

26/DCC/00585
Application to discharge condition 4 on application 25/FUL/00691
Conditions
26/HOU/00479
single storey side extension alongside single storey front extension to lounge
Pending
26/CLP/00384
Certificate of (proposed) lawful development for a loft extension
Pending

View Planning Timeline