Apartment 1, 19 Edmund Street, Liverpool, L3 9AH

UPRN:38313273Flat/Maisonette1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band BEPC: C (75)

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

Apartment 1, 19 Edmund Street, Liverpool, L3 9AH

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£163,000

£155k - £171kHigh

Estimate

£163k

Range

£155k – £171k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

4.75%

Verdict

Derived from HomePortfolio scores

Apartment 1 earns an INVESTIGATE rating with HP Score 44/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (20/100). 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 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

44/ 100

Mixed

Investment Score

53/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

20/ 100

Low

Transit & Bike

Transit 55Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead 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-1.6/15
claims [AVM -47.2% (HIGH)] → measured edge -0.33pp 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 38313273· as of 9 Oct 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.99
- valuation_snapshotsrent estimate 950/mo (range 900-1000)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -444/mo, -47% 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: 0 price cut(s), 145 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 & liquidity14.7/15
185 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

£180,000£276,000

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£239,950

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £75,585
Net cash flow: -£152/mo
Cash on cash: -2.4%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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_snapshotsestimate for 38313273Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 950/mo (range 900-1000)Rental economics · as of 9 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
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 950/mo (range 900-1000)
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. 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£163,000

Rent Estimate (pcm)£950

Gross Yield4.75%

1y Growth-

3y Growth-1.0%

5y Growth+1.8%

10y Growth+3.1%

Last Sold Price£130,000 (2017-12-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L3 9AH

Approval Rate

-12mo

Development

low

26DIS/1878
To discharge condition 9 (construction waste management) from planning ref 22F/3433
Pending
26F/1831
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
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 Remaining240 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-12-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,947

Population Density6,342 /km²

Owner Occupied22%

Age Distribution

0-15 4%16-64 94%65+ 2%

View Area Profile

Schools Nearby

Nazene Danielle School of Performing Arts
0.4 mi
-
Holy Cross Catholic Primary School
0.5 mi
Good
The Trinity Catholic Academy
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Vincent de Paul Catholic Primary School
0.9 mi
Good

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

View All Schools

Comparables

View All

Orleans House, 19 Edmund Street
-
£200k
-
Orleans House, 19 Edmund Street
-
£172k
-
Orleans House, 19 Edmund Street
-
£140k
-
Orleans House, 19 Edmund Street
-
£290k
-

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