46 Oban Road, Liverpool, L4 2SA

UPRN:38112856Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 1mo agoArea· Census 2021

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

£149,000

£142k - £157kHigh

Estimate

£149k

Range

£142k – £157k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

10.87%

Verdict

Derived from HomePortfolio scores

46 Oban Road earns an INVESTIGATE rating with HP Score 71/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is good (75/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

73/ 100

High

Crime Score

44/ 100

Elevated

Walkability

75/ 100

High

Transit & Bike

Transit 25Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +7.4% (HIGH)] → 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 38112856· as of 12 Oct 2026
Rental economics40/40
gross yield 10.9%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1250/mo (range 1200-1300)· as of 12 Oct 2026· verify before relying on this
Stress margin16.5/30
stressed cash flow +207/mo, +17% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 121 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 & liquidity14.6/15
410 sales/12mo in area; valuation range width 10%
- 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 80+ up to £110,500

£103,500£158,500

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£138,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,200-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £42,960
Net cash flow: £400/mo
Cash on cash: 11.2%
Score at this price: 71

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.68 - 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 38112856Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1250/mo (range 1200-1300)Rental economics · as of 12 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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1250/mo (range 1200-1300)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 121 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £110,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£149,000

Rent Estimate (pcm)£1,250

Gross Yield10.87%

1y Growth-

3y Growth+6.9%

5y Growth+6.4%

10y Growth+6.6%

Last Sold Price£35,000 (1997-08-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L4 2SA

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 Change1997-08-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,947

Population Density10,888 /km²

Owner Occupied28%

Age Distribution

0-15 22%16-64 68%65+ 10%

View Area Profile

Schools Nearby

Anfield Road Primary School
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
All Saints' Catholic Voluntary Aided Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Pinehurst Primary School
0.4 mi
Inspected as Pinehurst Primary School (URN 134471) on 22 Mar 2022
St. Margaret's Anfield Church of England Primary School
0.5 mi
Good

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

View All Schools

Comparables

View All

35 Oban Road
-
£85k
-
6 Oban Road
-
£116k
-
34 Oban Road
-
£110k
-
44 Oban Road
-
£110k
-

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