109 Newford Crescent, Stoke-on-Trent, ST2 7EB

UPRN:3455071830Terrace Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (60)

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

109 Newford Crescent, Stoke-on-Trent, ST2 7EB

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£135,000

£128k - £141kHigh

Estimate

£135k

Range

£128k – £141k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

13.33%

Verdict

Derived from HomePortfolio scores

109 Newford Crescent earns an INVESTIGATE rating with HP Score 72/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (50/100). 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

72/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

50/ 100

Moderate

Transit & Bike

Transit 15Bike 40

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +33.3% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 3455071830· as of 13 Oct 2026
Rental economics34.7/40
gross yield 9.3% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 700/mo (tenanted)· as of 4 Nov 2026
Stress margin0.7/30
stressed cash flow +5/mo, +1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 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 & liquidity14.7/15
299 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

£67,500£103,500

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£90,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £28,300
Net cash flow: £389/mo
Cash on cash: 16.5%
Score at this price: 50

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.29 - 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 3455071830Valuation edge · as of 13 Oct 2026
listing_factscontractual rent 700/mo (tenanted)Rental economics · as of 4 Nov 2026
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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Seller motivation could not be scored
context, not scored: 0 price cut(s), 42 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 →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£135,000

Rent Estimate (pcm)£1,000

Gross Yield13.33%

1y Growth+30.8%

3y Growth+2.3%

5y Growth+2.8%

10y Growth+4.3%

Last Sold Price£99,950 (2008-05-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST2 7EB

Approval Rate

-12mo

Development

low

26/HOU/00481
Single storey side extension
Conditions
26/HOU/00371
Proposed porch extension and elevational alterations to the side
Pending
26/DCC/00327
Conditions 4 (CEMP), 7 (Ecology), 8 (Ecology) , 9(Ecology), 10, 11, and 14 relating to planning application 25/FUL/00241
Pending

View Planning Timeline

Ownership

Corporate Ownership57.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-05-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,041

Population Density2,085 /km²

Owner Occupied69%

Age Distribution

0-15 18%16-64 63%65+ 19%

View Area Profile

Schools Nearby

Norton-Le-Moors Primary Academy
0.3 mi
Good
The Excel Academy
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Milton Primary Academy
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Smallthorne Primary Academy
0.7 mi
Good

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

View All Schools

Comparables

View All

95 Newford Crescent
-
£228k
-
69 Newford Crescent
-
£150k
-
51 Newford Crescent
-
£134k
-
21 Newford Crescent
-
£89k
-

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