55 Spellow Lane, Liverpool, L4 4DE

UPRN:38142937Terrace Property4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (65)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£143,000

£136k - £150kHigh

Estimate

£143k

Range

£136k – £150k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

12.52%

Verdict

Derived from HomePortfolio scores

55 Spellow Lane earns an INVESTIGATE rating with HP Score 60/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (91/100). 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

60/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

78/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 29Bike 67

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity
listing is held on a lease but the UPRN is valued as a freehold house - the listing is likely a unit within the building

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£115,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,150-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £35,800
Net cash flow: £443/mo
Cash on cash: 14.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.09 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£143,000

Rent Estimate (pcm)£1,200

Gross Yield12.52%

1y Growth-

3y Growth+6.9%

5y Growth+6.4%

10y Growth+6.6%

Last Sold Price£40,000 (1995-04-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0L4 4DE

Approval Rate

-12mo

Development

low

DC/2026/01244
Certificate of lawfulness for the proposed use as a children's care home for 1 no. child aged between 7-17 years old (C2 use)
Approved
26F/1893
To infill shop window opening to front and alter fenestration throughout
Pending
26LP/1852
Application for Certificate of Proposed Lawful Development to use the premises as a 3-6 persons HMO (Use Class C4) and to erect a rear dormer extension
Approved

View Planning Timeline

Ownership

Corporate Ownership80.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1995-04-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,947

Population Density6,408 /km²

Owner Occupied25%

Age Distribution

0-15 20%16-64 63%65+ 17%

View Area Profile

Schools Nearby

Everton Free School & Football College
0.0 mi
Outstanding
Gwladys Street Primary and Nursery School
0.3 mi
Good
Arnot St Mary CofE Primary School
0.3 mi
Good
St Francis de Sales Catholic Junior School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

43 Spellow Lane
-
£100k
-
49 Spellow Lane
-
£170k
-
9 Spellow Lane
-
£110k
-
59 Spellow Lane
-
£109k
-

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