12 Stanza Court, Liverpool, L5 5BH

UPRN:38267221Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band AEPC: C (71)

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

Location map - no listing photos available

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

£84,000

£80k - £89kHigh

Estimate

£84k

Range

£80k – £89k

Rent Estimate (pcm)

£600

£550 - £600

Monthly

£600

Yield

9.00%

Verdict

Derived from HomePortfolio scores

12 Stanza Court earns an INVESTIGATE rating with HP Score 48/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (62/100). 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

48/ 100

Mixed

Investment Score

62/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

62/ 100

Moderate

Transit & Bike

Transit 34Bike 56

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 2 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +4.8% (HIGH), sold-comps +11.1%, £/sqft +10.9%] → measured edge +0.50pp 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 38267221· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23%· as of 28 Oct 2026
Rental economics40/40
gross yield 11.7% on contractual rent (listing-disclosed tenancy); contractual 850/mo far above the 600/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 850/mo (tenanted)· as of 2 Nov 2026· verify before relying on this
Stress margin13.6/30
stressed cash flow +106/mo, +14% 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: 0 price cut(s), 196 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 & liquidity14.5/15
101 sales/12mo in area; valuation range width 11%
- 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 £62,000

£60,000£92,000

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£80,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£600

Interest rate5.4%

Loan to value75%

Cash required: £25,300
Net cash flow: £145/mo
Cash on cash: 6.9%
Score at this price: 71

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.22 - 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 38267221Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23%Valuation edge · as of 28 Oct 2026
listing_factscontractual rent 850/mo (tenanted)Rental economics · as of 2 Nov 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

Risks

What could kill this deal

Rental economics needs verification before you rely on it
contractual rent 850/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 196 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 →flood, subsidence, crime, environment - the full domain

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. Set your walk-away price before viewing - above £62,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£84,000

Rent Estimate (pcm)£600

Gross Yield9.00%

1y Growth-

3y Growth-4.5%

5y Growth+4.0%

10y Growth+3.2%

Last Sold Price£103,950 (2008-07-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L5 5BH

Approval Rate

-12mo

Development

low

26DIS/1878
To discharge condition 9 (construction waste management) from planning ref 22F/3433
Pending
26DIS/1809
To discharge conditions 3. Material, 4. Site Investigation, 6. Hard and Soft Landscaping, 8. Tree root mitigation, 9. Planting pits, 10. Landscape management plan, 11. off site Highways works, 14. EV parking provisions, 15. CEMO, 16. Sustainable Drainage, 17. Surface water drainage, 18. canal RAMS, 19. Canal wall wash, 21. Piling, 22. Archaeological works, 23. External works, 26. Waste management, 31 Bird boxes and 32. CEMP Biodiversity attached to planning ref 25F/2526
Pending
26NM/1721
Planning application for non-material amendment to planning ref 16F/3078 (To erect three 9-19 storey apartment blocks containing 381 residential units with ground floor communal space, a commercial unit (Use Classes A1/A3/A4/D2), associated access, servicing, parking and landscaping) so as to make amendments to the access, internal layouts, landscape and elevations.
Pending

View Planning Timeline

Ownership

Corporate Ownership59%
Overseas OwnershipNo
Lease Term Remaining106 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2008-07-08
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 Density2,364 /km²

Owner Occupied17%

Age Distribution

0-15 16%16-64 70%65+ 14%

View Area Profile

Schools Nearby

The Trinity Catholic Academy
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Notre Dame Catholic Academy
0.3 mi
Inspected as Notre Dame Catholic College (URN 104706) on 24 May 2022
Faith Primary Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Millstead School
0.3 mi
Outstanding

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

10 Stanza Court
-
£80k
-
4 Stanza Court
-
£69k
-
34 Stanza Court
-
£160k
-
14 Stanza Court
-
£76k
-

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