40 Zig Zag Road, Liverpool, L12 9EQ

UPRN:38170331Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band CEPC: C (74)

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

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£310,000

£294k - £325kHigh

Estimate

£310k

Range

£294k – £325k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

5.55%

Verdict

Derived from HomePortfolio scores

40 Zig Zag Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (71/100). 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 NationsMarket 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

71/ 100

High

Transit & Bike

Transit 21Bike 39

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 27 Oct 2026

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

Valuation edge0/15
claims [AVM -8.1% (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 10 Oct 2026
- valuation_snapshotsestimate for 38170331· as of 10 Oct 2026
Rental economics3.9/40
gross yield 5.6%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1550/mo (range 1450-1700)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -404/mo, -26% 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 27 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 27 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 27 Oct 2026
Risk & liquidity14.6/15
259 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 sensitivity

£251,000£385,000

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£335,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £108,550
Net cash flow: -£58/mo
Cash on cash: -0.6%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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 38170331Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1700)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 27 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 27 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 1550/mo (range 1450-1700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 27 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£310,000

Rent Estimate (pcm)£1,550

Gross Yield5.55%

1y Growth+4.9%

3y Growth+6.0%

5y Growth+4.7%

10y Growth+4.6%

Last Sold Price£148,000 (2011-03-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L12 9EQ

Approval Rate

-12mo

Development

low

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
26H/1203
To erect single storey extensions to side and rear
Pending
26T/1185
To carry out tree works
Pending

View Planning Timeline

Ownership

Corporate Ownership75.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-03-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,947

Population Density-

Owner Occupied87%

Age Distribution

0-15 18%16-64 60%65+ 22%

View Area Profile

Schools Nearby

Blackmoor Park Junior School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Cardinal Heenan Catholic High School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Blackmoor Park Infants' School
0.3 mi
Inspected as Blackmoor Park Infants' School (URN 104592) on 14 Nov 2023
Broughton Hall Catholic High School
0.4 mi
Good

4 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

20 Zig Zag Road
-
£320k
-
32 Zig Zag Road
-
£320k
-
38 Zig Zag Road
-
£275k
-
18 Zig Zag Road
-
£335k
-

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