Flat 4, 1 James Street, Stoke-on-Trent, ST4 5HB

UPRN:3455130715Flat/Maisonette2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band AEPC: C (78)

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

Flat 4, 1 James Street, Stoke-on-Trent, ST4 5HB

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£69,000

£66k - £73kHigh

Estimate

£69k

Range

£66k – £73k

Rent Estimate (pcm)

£450

£400 - £450

Monthly

£450

Yield

7.83%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 75/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (61/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

61/ 100

Moderate

Transit & Bike

Transit 15Bike 55

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£69,000

At the asking price

Monthly rent£450/mo

Evidenced range £400-£450

Interest rate5.4%

Loan to value75%

Cash required: £22,000
Net cash flow: £79/mo
Cash on cash: 4.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.93 - 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£69,000

Rent Estimate (pcm)£450

Gross Yield7.83%

1y Growth+1.0%

3y Growth+3.9%

5y Growth+1.3%

10y Growth+2.9%

Last Sold Price£69,000 (2018-11-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0ST4 5HB

Approval Rate

-12mo

Development

low

26/CLP/00613
Certificate of proposed lawful development for use of existing residential dwellinghouse as a children's home
Pending
26/DCC/00482
Application to discharge conditions 6, 7, 8 & 9 in relation to reference 67567/FUL
Conditions
26/TCA/00432
Felling of two overgrown trees in back garden located at side of garage and front of garage.
Pending

View Planning Timeline

Ownership

Corporate Ownership69.2%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2018-11-09
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 Density4,055 /km²

Owner Occupied72%

Age Distribution

0-15 17%16-64 65%65+ 18%

View Area Profile

Schools Nearby

Thistley Hough Academy
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Oakhill Primary School
0.5 mi
Good
Stoke Minster CofE Primary Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Joseph's College
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

17 James Street
-
£79k
-
1 James Street
-
£51k
-
1 James Street
-
£50k
-
37 James Street
-
£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