45 St Paul Street, Stoke-on-Trent, ST6 4BZ

UPRN:3455090941Terrace Property3 bedsBuilt 1900-1929

FreeholdCouncil Tax: -EPC: D (65)

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

45 St Paul Street, Stoke-on-Trent, ST6 4BZ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£95,000

£90k - £99kHigh

Estimate

£95k

Range

£90k – £99k

Rent Estimate (pcm)

£700

£700 - £750

Monthly

£700

Yield

8.84%

Verdict

Derived from HomePortfolio scores

45 St Paul Street earns an INVESTIGATE rating with HP Score 67/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (83/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

58/ 100

Elevated

Walkability

83/ 100

High

Transit & Bike

Transit 19Bike 52

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£95,000

At the asking price

Monthly rent£700/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: £164/mo
Cash on cash: 6.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.18 - 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£95,000

Rent Estimate (pcm)£700

Gross Yield8.84%

1y Growth-

3y Growth+3.6%

5y Growth+3.6%

10y Growth+3.6%

Last Sold Price£60,000 (2015-10-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST6 4BZ

Approval Rate

-12mo

Development

low

26/00191/FUL
Change of Use and Conversion of a Single Dwelling to Four Apartments and Creation of Parking.
Pending
26/TPOR/00547
(none)
Pending
26/00399/FUL
Proposed second storey side extension & loft conversion (amended plans received)
Approved

View Planning Timeline

Ownership

Corporate Ownership70.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2015-10-02
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£29,041

Population Density-

Owner Occupied34%

Age Distribution

0-15 24%16-64 61%65+ 15%

View Area Profile

Schools Nearby

Saint Nathaniel's Academy
0.2 mi
GoodConcerns
Co-op Academy Stoke-On-Trent
0.5 mi
Good
The Nest
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Alpha Learning Staffordshire
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

21 St Pauls Street
-
£70k
-
47 St Pauls Street
-
£90k
-
23 St Pauls Street
-
£80k
-
23 St Pauls Street
-
£62k
-

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