14 Penstock Drive, Stoke-on-Trent, ST4 7GF

UPRN:3455130946Purpose Built Flat1 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band AEPC: C (70)

Data freshness:Planning· 5mo agoOwnership· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

14 Penstock Drive, Stoke-on-Trent, ST4 7GF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£93,000

£84k - £103kMedium

Estimate

£93k

Range

£84k – £103k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

9.00%

Verdict

Derived from HomePortfolio scores

14 Penstock Drive earns an INVESTIGATE rating with HP Score 61/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (51/100). 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

61/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

64/ 100

Elevated

Walkability

51/ 100

Moderate

Transit & Bike

Transit 11Bike 47

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 edge2/15
claims [AVM +14.0% (MEDIUM), sold-comps +2.4%, £/sqft +2.6%] → measured edge +0.41pp 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 3455130946· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.3%· as of 29 Oct 2026
Rental economics27.7/40
gross yield 9.0%; range width penalty ×0.87
- valuation_snapshotsrent estimate 600/mo (range 550-650)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -147/mo, -24% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 57 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 & liquidity12.8/15
677 sales/12mo in area; valuation range width 20%
- 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

£60,000£92,000

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£80,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £25,300
Net cash flow: £145/mo
Cash on cash: 6.9%
Score at this price: 42

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.22 - 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 3455130946Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 19.3%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 600/mo (range 550-650)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 600/mo (range 550-650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 57 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 →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. 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.
3. 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£93,000

Rent Estimate (pcm)£600

Gross Yield9.00%

1y Growth-1.8%

3y Growth+3.9%

5y Growth+1.3%

10y Growth+2.9%

Last Sold Price£59,000 (2012-11-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST4 7GF

Approval Rate

-12mo

Development

low

26/PNH/00509
Single Storey Rear Extension
Pending
26/DCC/00522
Discharge conditions 3 (stone boundary wall),4 (Archaeological Scheme of Written Investigation) and 6 (Tree Protection) for planning permission 57731/FUL (retrospective)
Pending
26/FUL/00450
Removal of existing ground floor front bay window and erection of single storey pitched roof extension including shopfront and door together with installation of roller shutter.
Pending

View Planning Timeline