45 Black Horse Lane, Liverpool, L13 5TU

UPRN:38017755-Beds -Built 1900-1929

Tenure: -Council Tax: Band CEPC: D (56)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£207,000

£166k - £249kLow

Estimate

£207k

Range

£166k – £249k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

10.11%

Verdict

Derived from HomePortfolio scores

45 Black Horse Lane earns an INVESTIGATE rating with HP Score 83/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (90/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

83/ 100

Strong

Investment Score

70/ 100

High

Crime Score

14/ 100

Low

Walkability

90/ 100

Excellent

Transit & Bike

Transit 28Bike 58

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics40/40
gross yield 10.1%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1600/mo (range 1550-1700)· as of 10 Oct 2026· verify before relying on this
Stress margin15.3/30
stressed cash flow +244/mo, +15% 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 28 Oct 2026
Risk & liquidity9.2/15
304 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£190,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,550-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £466/mo
Cash on cash: 9.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.50 - 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_snapshotsrent estimate 1600/mo (range 1550-1700)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1600/mo (range 1550-1700)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£207,000

Rent Estimate (pcm)£1,600

Gross Yield10.11%

1y Growth-

3y Growth+3.9%

5y Growth+5.4%

10y Growth+5.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L13 5TU

Approval Rate

-12mo

Development

low

26H/1911
To erect a two-storey side extension, replacement porch and bay window to front
Pending
26PT/1918
To install 20m high 5G telecommunications mast with associated equipment cabins .
Pending
26H/1887
To erect a first-floor rear extension and part single-storey, part two-storey rear extension; conversion of existing garage with associated pitched roof; erection of a part single-storey, part two-storey side extension; alterations to the roof form including the erection of 2 no. front dormers and 2 no. rear dormers; alterations to fenestration and external doors; and associated external alterations to the dwellinghouse
Pending

View Planning Timeline