28 Heald Street, Liverpool, L19 2LY

UPRN:38249697Terrace Property8 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band BEPC: C (76)

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

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

£328,000

£295k - £361kMedium

Estimate

£328k

Range

£295k – £361k

Rent Estimate (pcm)

£2,350

£2k - £3k

Monthly

£2,350

Yield

7.32%

Verdict

Derived from HomePortfolio scores

28 Heald Street earns an INVESTIGATE rating with HP Score 71/100. Investment score 75/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is good (83/100). 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

71/ 100

Mixed

Investment Score

75/ 100

High

Crime Score

55/ 100

Elevated

Walkability

83/ 100

High

Transit & Bike

Transit 28Bike 67

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 30 Oct 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -17.4% (MEDIUM), sold-comps -146.8%, £/sqft -146.3%] → 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 38249697· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.4%· as of 26 Oct 2026
Rental economics18.4/40
gross yield 7.3%; range width penalty ×0.99
- valuation_snapshotsrent estimate 2350/mo (range 2250-2500)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -27/mo, -1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 10 price cut(s), 370 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 30 Oct 2026
Risk & liquidity12.8/15
196 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

£289,000£442,500

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£385,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,250-£2,500

Interest rate5.4%

Loan to value75%

Cash required: £126,050
Net cash flow: £328/mo
Cash on cash: 3.1%
Score at this price: 31

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 38249697Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.4%Valuation edge · as of 26 Oct 2026
valuation_snapshotsrent estimate 2350/mo (range 2250-2500)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 2350/mo (range 2250-2500)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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.
10 price cut(s) recorded on the listing history.
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£328,000

Rent Estimate (pcm)£2,350

Gross Yield7.32%

1y Growth-

3y Growth+6.8%

5y Growth+5.6%

10y Growth+4.5%

Last Sold Price£115,000 (2008-06-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L19 2LY

Approval Rate

-12mo

Development

low

26F/1399
To carry out an infill enclosure to new staircase to first floor.
Pending
26F/1284
To erect new boundary to front and side with associated hard and soft landscaping works to front, bike and bin stores to side, infilling of existing lightwell, re-instatement of windows and other minor external alterations in connection with use of premises as a 10 bed HMO.
Pending
26F/1221
To replace entrance doors to front and rear and repaint existing rear entrance
Pending

View Planning Timeline

Ownership

Corporate Ownership74.7%
Overseas OwnershipNo
Lease Term Remaining128 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2008-06-02
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 Density4,617 /km²

Owner Occupied35%

Age Distribution

0-15 19%16-64 70%65+ 11%

View Area Profile

Schools Nearby

ES Independent School
0.1 mi
Good
Prudentia Education
0.3 mi
Good
Garston Church of England Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Academy of St Nicholas
0.5 mi
Good

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Heald Street
-
£112k
-
15 Heald Street
-
£192k
-
Police Station, 3 Heald Street
-
£340k
-
Police Station, 3 Heald Street
-
£340k
-

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