97 Irwin Road, St. Helens, WA9 3UQ

UPRN:39030442Mid Terrace HouseBeds -Built 1950-1966

LeaseholdCouncil Tax: Band AEPC: C (72)

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

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£135,000

£122k - £149kMedium

Estimate

£135k

Range

£122k – £149k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

9.23%

Verdict

Derived from HomePortfolio scores

97 Irwin Road earns an INVESTIGATE rating with HP Score 78/100. 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

78/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

62/ 100

Moderate

Transit & Bike

Transit 21Bike 35

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£130,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £254/mo
Cash on cash: 7.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.28 - 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£135,000

Rent Estimate (pcm)£1,000

Gross Yield9.23%

1y Growth-

3y Growth+4.2%

5y Growth+2.8%

10y Growth+5.9%

Last Sold Price£89,000 (2004-11-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WA9 3UQ

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/2026/0503/CLP
Certificate of lawfulness for proposed change of use from dwellinghouse (Use Class C3) to a 6-person HMO (Use Class C4), including rear dormer, front rooflight and partial removal of chimney stacks.
Approved

View Planning Timeline