Flat 2, 106 St Marys Road, Liverpool, L19 2JG

UPRN:38290548Flat/MaisonetteBeds -Built 1900-1929

Tenure: -Council Tax: Band AEPC: D (57)

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

Flat 2, 106 St Marys Road, Liverpool, L19 2JG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£92,000

£73k - £110kLow

Estimate

£92k

Range

£73k – £110k

Rent Estimate (pcm)

£600

£550 - £600

Monthly

£600

Yield

0.78%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 68/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (82/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket estimates (third-party AVM)Defra 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

68/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

55/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 24Bike 67

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 0.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 600/mo (range 550-600)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,591/mo, -599% 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 6 Nov 2026
Risk & liquidity9.2/15
196 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£925,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£600

Interest rate5.4%

Loan to value75%

Cash required: £315,050
Net cash flow: -£2,706/mo
Cash on cash: -10.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.19 - below 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_snapshotsrent estimate 600/mo (range 550-600)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 600/mo (range 550-600)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£92,000

Rent Estimate (pcm)£600

Gross Yield0.78%

1y Growth-

3y Growth+6.8%

5y Growth+5.6%

10y Growth+4.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0L19 2JG

Approval Rate

-12mo

Development

low

26L/1773
To erect first floor extension to garden room
Pending
26H/1709
To erect first floor extension to garden room
Pending
26F/1399
To carry out an infill enclosure to new staircase to first floor.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,947

Population Density-

Owner Occupied35%

Age Distribution

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

View Area Profile

Schools Nearby

ES Independent School
0.2 mi
Good
Prudentia Education
0.2 mi
Good
Garston Church of England Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Gilmour Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

98 - 100 St Marys Road
-
£893k
-
102 St Marys Road
-
£145k
-
106 St Marys Road
-
£3.34M
-
104 St Marys Road
-
£3.34M
-

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