12 Francis Street, St. Helens, WA9 4JW

UPRN:39022077Terrace Property2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (63)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£113,000

£108k - £119kHigh

Estimate

£113k

Range

£108k – £119k

Rent Estimate (pcm)

£850

£800 - £850

Monthly

£850

Yield

10.20%

Verdict

Derived from HomePortfolio scores

12 Francis Street earns an INVESTIGATE rating with HP Score 74/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (55/100). 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

74/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

55/ 100

Moderate

Transit & Bike

Transit 25Bike 30

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 30 Oct 2026

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

Valuation edge1.4/15
claims [AVM +11.5% (HIGH), sold-comps +2.0%, £/sqft +1.7%] → measured edge +0.28pp 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 39022077· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 10.8%· as of 22 Oct 2026
Rental economics40/40
gross yield 10.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 850/mo (range 800-850)· as of 9 Oct 2026· verify before relying on this
Stress margin8.6/30
stressed cash flow +73/mo, +9% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 300 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
481 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 sensitivityScores 70+ up to £90,000

£75,000£115,000

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£100,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£850

Interest rate5.4%

Loan to value75%

Cash required: £31,300
Net cash flow: £251/mo
Cash on cash: 9.6%
Score at this price: 65

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.52 - 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 39022077Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 10.8%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 800-850)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
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 850/mo (range 800-850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 300 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 £90,000 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£113,000

Rent Estimate (pcm)£850

Gross Yield10.20%

1y Growth-3.4%

3y Growth+4.2%

5y Growth+2.8%

10y Growth+5.9%

Last Sold Price£79,250 (2007-06-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WA9 4JW

Approval Rate

-12mo

Development

low

P/2026/0536/FUL
Change of use of dwellinghouse (C3) to children's care home (C2) for 2no children.
Pending
P/2026/0523/CLP
Certificate of lawfulness for proposed change of use from dwellinghouse (C3) to 4 person HMO (C4).
Pending
P/2026/0461/FUL
Change of use from mixed use of dwellinghouse (Class C3) and barbers (Class E(a)) to six person HMO (Class C4) with external alterations to the front of the building.
Rejected

View Planning Timeline

Ownership

Corporate Ownership60.8%
Overseas OwnershipNo
Lease Term Remaining867 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2007-06-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,443

Population Density-

Owner Occupied60%

Age Distribution

0-15 20%16-64 69%65+ 11%

View Area Profile

Schools Nearby

St Anne's Catholic Primary School
0.4 mi
Good
Sutton Oak CofE Primary School
0.4 mi
Good
St Cuthbert's Catholic Academy
0.7 mi
Inspected as St Cuthbert's Catholic High School (URN 104835) on 6 Jul 2022
Robins Lane Community Primary School
0.9 mi
Good

5 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

13 Francis Street
-
£116k
-
11 Francis Street
-
£100k
-
2 Francis Street
-
£84k
-
10 Francis Street
-
£95k
-

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