44 Helena Street, Liverpool, L9 1BJ

UPRN:38074942Mid Terrace HouseBeds -Built 1900-1929

Tenure: -Council Tax: Band AEPC: F (21)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£113,000

£102k - £124kMedium

Estimate

£113k

Range

£102k – £124k

Rent Estimate (pcm)

£900

£850 - £900

Monthly

£900

Yield

9.82%

Verdict

Derived from HomePortfolio scores

44 Helena Street earns an INVESTIGATE rating with HP Score 56/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (85/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

56/ 100

Mixed

Investment Score

65/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 25Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +2.7% (MEDIUM)] → measured edge +0.00pp 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 12 Oct 2026
- valuation_snapshotsestimate for 38074942· as of 12 Oct 2026
Rental economics38.5/40
gross yield 9.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 900/mo (range 850-900)· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 3 Nov 2026· verify before relying on this
Stress margin7.5/30
stressed cash flow +67/mo, +7% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 31 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 3 Nov 2026
Risk & liquidity12.9/15
297 sales/12mo in area; valuation range width 19%
- 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 sensitivityScores 70+ up to £88,000

£82,500£126,500

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£110,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£900

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £252/mo
Cash on cash: 8.8%
Score at this price: 59

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.42 - 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 38074942Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-900)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 3 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 900/mo (range 850-900)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Set your walk-away price before viewing - above £88,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£113,000

Rent Estimate (pcm)£900

Gross Yield9.82%

1y Growth-

3y Growth+5.1%

5y Growth+5.3%

10y Growth+4.3%

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

0L9 1BJ

Approval Rate

-12mo

Development

low

DC/2026/01714
Erection of single storey extension to the side and rear and erection of dormer to the rear of the dwellinghouse.
Pending
DC/2026/01759
Neighbouring Authority Consultation from Liverpool City Council to carry out refurbishment and security upgrade works to the Reception Building and B Wing at 68 Hornby Road, Liverpool (26F/2520)
Pending
DC/2026/01757
Neighbouring Authority Consultation from Liverpool City Council to carry out refurbishment and security upgrade works to the Reception Building and B Wing at 68 Hornby Road, Liverpool (26L/2875)
Approved

View Planning Timeline

Ownership

Corporate Ownership69.1%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£30,947

Population Density-

Owner Occupied18%

Age Distribution

0-15 22%16-64 65%65+ 13%

View Area Profile

Schools Nearby

Liverpool Progressive School
0.1 mi
Inspected by ISI
Hillside High School
0.2 mi
Good
Northcote Primary School
0.3 mi
Good
Alsop High School
0.3 mi
Inspected as Alsop High School (URN 148226) on 10 Feb 2026

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

34 Helena Street
-
£96k
-
36 Helena Street
-
£69k
-
2 Helena Street
-
£100k
-
8 Helena Street
-
£115k
-

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