1 Gertrude Street, St. Helens, WA9 5JZ

UPRN:39023381End Terrace House2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (65)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£91,000

£87k - £96kHigh

Estimate

£91k

Range

£87k – £96k

Rent Estimate (pcm)

£650

£650 - £700

Monthly

£650

Yield

9.75%

Verdict

Derived from HomePortfolio scores

1 Gertrude Street earns an INVESTIGATE rating with HP Score 76/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. 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

76/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

62/ 100

Moderate

Transit & Bike

Transit 19Bike 36

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£80,000

At the asking price

Monthly rent£650/mo

Evidenced range £650-£700

Interest rate5.4%

Loan to value75%

Cash required: £25,300
Net cash flow: £180/mo
Cash on cash: 8.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.41 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£91,000

Rent Estimate (pcm)£650

Gross Yield9.75%

1y Growth+10.5%

3y Growth+4.2%

5y Growth+2.8%

10y Growth+5.9%

Last Sold Price£105,000 (2025-05-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WA9 5JZ

Approval Rate

-12mo

Development

low

P/2026/0524/TPO
Works to 1no. Sycamore tree covered by a Tree Preservation Order
Pending
P/2026/0545/HHFP
Erection of a two-storey side extension, alterations to the front boundary wall to provide a new vehicular access, including a sliding gate, dropped kerb and parking space, together with associated internal alterations.
Pending
P/2026/0498/HHPA
Prior approval for a single storey rear extension projecting 3.38m from the rear, 3.54m overall height and 2.29m at the eaves.
Approved

View Planning Timeline

Ownership

Corporate Ownership60.8%
Overseas OwnershipNo
Lease Term Remaining876 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2025-05-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,443

Population Density5,264 /km²

Owner Occupied63%

Age Distribution

0-15 17%16-64 64%65+ 19%

View Area Profile

Schools Nearby

Nutgrove Methodist Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Austin's Catholic Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Thatto Heath Community Primary School
0.5 mi
Good
St John Vianney Catholic Primary School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

22 Gertrude Street
-
£120k
-
25 Gertrude Street
-
£106k
-
1 Gertrude Street
-
£105k
-
18 Gertrude Street
-
£118k
-

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