Apartment 40, Focus Building, 17 Standish Street, Liverpool, L3 2BD

UPRN:38233895Purpose Built Flat1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: B (83)

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

Apartment 40, Focus Building, 17 Standish Street, Liverpool, L3 2BD

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

£97,000

£92k - £102kHigh

Estimate

£97k

Range

£92k – £102k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

7.33%

Verdict

Derived from HomePortfolio scores

Apartment 40 earns an INVESTIGATE rating with HP Score 60/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (93/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

60/ 100

Mixed

Investment Score

63/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

93/ 100

Excellent

Transit & Bike

Transit 59Bike 63

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM +7.2% (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 9 Oct 2026
- valuation_snapshotsestimate for 38233895· as of 9 Oct 2026
Rental economics15.6/40
gross yield 7.3%; range width penalty ×0.84
- valuation_snapshotsrent estimate 550/mo (range 500-600)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -178/mo, -32% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 270 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 6 Nov 2026
Risk & liquidity0/15
lease 79 years (under 80): most lenders refuse it - risk scores nothing; 185 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo
- listing_factslease 79 years remaining (advert)· as of 6 Nov 2026

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

£67,500£103,500

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£90,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £28,300
Net cash flow: £77/mo
Cash on cash: 3.3%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.81 - 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 38233895Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 550/mo (range 500-600)Rental economics · as of 9 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity
listing_facts

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 550/mo (range 500-600)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 270 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. 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.
3. 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£97,000

Rent Estimate (pcm)£550

Gross Yield7.33%

1y Growth-

3y Growth-1.0%

5y Growth+1.8%

10y Growth+3.1%

Last Sold Price£90,000 (2018-04-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0L3 2BD

Approval Rate

-12mo

Development

low

26DIS/1878
To discharge condition 9 (construction waste management) from planning ref 22F/3433
Pending
26LP/1830
Application for Certificate of Proposed Lawful Development to continue to use the premises as a 3-6 persons HMO for students (Use Class C4)
Pending
26L/1832
To carry out internal and external alterations with repairs and refurbishment of existing timber sash windows and repair and improvement of roof leadwork, flashings, gutters and rainwater goods.
Pending

View Planning Timeline

Ownership

Corporate Ownership14%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2018-04-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,947

Population Density-

Owner Occupied10%

Age Distribution

0-15 8%16-64 91%65+ 1%

View Area Profile

Schools Nearby

Holy Cross Catholic Primary School
0.1 mi
Good
The Trinity Catholic Academy
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Nazene Danielle School of Performing Arts
0.6 mi
-
Millstead School
0.7 mi
Outstanding

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

View All Schools

Comparables

View All

17 Standish Street
-
£50k
-
17 Standish Street
-
£110k
-
17 Standish Street
-
£127k
-
17 Standish Street
-
£90k
-

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