401 Lower Hall Street, St. Helens, WA10 1GD

UPRN:39086349Flat/Maisonette1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band AEPC: B (82)

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

401 Lower Hall Street, St. Helens, WA10 1GD

Location map - no listing photos available

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£70,000

£56k - £84kLow

Estimate

£70k

Range

£56k – £84k

Rent Estimate (pcm)

£350

£350 - £400

Monthly

£350

Yield

16.80%

Verdict

Derived from HomePortfolio scores

401 Lower Hall Street earns an INVESTIGATE rating with HP Score 57/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (88/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

67/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

88/ 100

Excellent

Transit & Bike

Transit 45Bike 65

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

estimate implies a 64% discount - beyond plausibility (gate 50%); suspected unit/basis mismatch, not a realisable edge

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£25,000

At the asking price

Monthly rent£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £7,550
Net cash flow: £158/mo
Cash on cash: 25.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.15 - 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£70,000

Rent Estimate (pcm)£350

Gross Yield16.80%

1y Growth+44.1%

3y Growth+4.5%

5y Growth+4.5%

10y Growth+2.5%

Last Sold Price£114,804 (2007-09-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WA10 1GD

Approval Rate

-12mo

Development

low

P/2026/0519/FUL
Installation of 1no. black digital communications kiosk, defibrillator and ancillary advertisement.
Pending
P/2026/0520/ADC
Digital advertising display integrated within digital communications kiosk.
Pending
P/2026/0518/ADC
Digital advertising display integrated within digital communications kiosk.
Pending

View Planning Timeline

Ownership

Corporate Ownership49.7%
Overseas OwnershipNo
Lease Term Remaining230 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2007-09-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,443

Population Density2,494 /km²

Owner Occupied24%

Age Distribution

0-15 14%16-64 71%65+ 15%

View Area Profile

Schools Nearby

Holy Cross Catholic Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Parish Church of England Primary School, St Helens
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Launchpad Centre
0.3 mi
Good
This Is My Education - TIME
0.3 mi
Requires improvement

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

View All Schools

Comparables

View All

306 Lower Hall Street
-
£32k
-
412 Lower Hall Street
-
£31k
-
414 Lower Hall Street
-
£67k
-
110 Lower Hall Street
-
£34k
-

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