40 Humbert Road, Stoke-on-Trent, ST1 5GA

UPRN:3455123786Detached House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band CEPC: C (75)

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

40 Humbert Road, Stoke-on-Trent, ST1 5GA

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£280,000

£266k - £294kHigh

Estimate

£280k

Range

£266k – £294k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

7.68%

Verdict

Derived from HomePortfolio scores

40 Humbert Road earns an INVESTIGATE rating with HP Score 51/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (52/100). 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

51/ 100

Mixed

Investment Score

61/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

52/ 100

Moderate

Transit & Bike

Transit 11Bike 40

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£250,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: £264/mo
Cash on cash: 4.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.90 - 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£280,000

Rent Estimate (pcm)£1,600

Gross Yield7.68%

1y Growth-

3y Growth+1.6%

5y Growth+2.8%

10y Growth+2.0%

Last Sold Price£105,995 (2002-11-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ST1 5GA

Approval Rate

-12mo

Development

low

26/00735/FUL
Replacement of existing single glazed sash timber windows with new double glazed timber sash windows on ground and first floor, fronting Lower Oxford Road.
Pending
26/00621/TWA
Works to Trees
Approved
26/00603/FUL
Retrospective application to increase the occupation from 3 to 4 persons under the existing C2 use
Pending

View Planning Timeline

Ownership

Corporate Ownership69.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2002-11-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,041

Population Density994 /km²

Owner Occupied48%

Age Distribution

0-15 25%16-64 66%65+ 9%

View Area Profile

Schools Nearby

Etruscan Primary School
0.2 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Phoenix Independent School
0.4 mi
Good
Regent College
0.5 mi
-
Emerge School
0.6 mi
Good

0 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

19 Humbert Road
-
£190k
-
17 Humbert Road
-
£142k
-
11 Humbert Road
-
£117k
-
15 Humbert Road
-
£122k
-

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