39 Oakfield Road, Walton, Liverpool, L4 2QE

UPRN:38112503Terrace Property4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: E (39)

Data freshness:Listing· freshPrice Paid· freshPlanning· 6mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 1mo agoArea· Census 2021

39 Oakfield Road, Walton, Liverpool, L4 2QE

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£140,000

£126k - £154kMedium

Estimate

£140k

Range

£126k – £154k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

7.67%

Verdict

Derived from HomePortfolio scores

39 Oakfield Road earns an INVESTIGATE rating with HP Score 67/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (78/100). 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

67/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

49/ 100

Elevated

Walkability

78/ 100

High

Transit & Bike

Transit 25Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -28.6% (MEDIUM), sold-comps -51.3%, £/sqft -51.5%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 38112503· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 24.3%· as of 4 Nov 2026
Rental economics21.3/40
gross yield 7.7%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1150/mo (range 1100-1200)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -44/mo, -4% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 83 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 2 Nov 2026
Risk & liquidity12.8/15
410 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

£135,000£207,000

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£180,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £189/mo
Cash on cash: 4.0%
Score at this price: 34

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.89 - 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 38112503Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 24.3%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 1150/mo (range 1100-1200)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 1150/mo (range 1100-1200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 83 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. 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£140,000

Rent Estimate (pcm)£1,150

Gross Yield7.67%

1y Growth+25.2%

3y Growth+6.9%

5y Growth+6.4%

10y Growth+6.6%

Last Sold Price£115,000 (2023-10-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

1L4 2QE

Approval Rate

-12mo

Development

low

26F/1844
To continue to use the premises as a 3-6 person HMO (Use Class C4)
Pending
26LP/1783
Application for Certificate of Proposed Lawful Development for change of use from (C3 Dwellinghouse) to C4(HMO)
Pending
26F/1713
To change the use of premises from dwellinghouse (use class C3) to a 3-6 person HMO (use Class C4)
Pending

View Planning Timeline

Ownership

Corporate Ownership80.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-10-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,947

Population Density11,166 /km²

Owner Occupied28%

Age Distribution

0-15 22%16-64 64%65+ 14%

View Area Profile

Schools Nearby

All Saints' Catholic Voluntary Aided Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Anfield Road Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Four Oaks Community Primary School
0.3 mi
Inspected as Four Oaks Primary School (URN 131313) on 15 Feb 2022
Whitefield Primary School
0.4 mi
Outstanding

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

25 Oakfield Road
-
£100k
-
9 Oakfield Road
-
£105k
-
31 Oakfield Road
-
£70k
-
11 Oakfield Road
-
£105k
-

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