5 Ludgate, Tamworth, B79 7EG

UPRN:394015677Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (64)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo 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

19 of 21 sources

Sale Estimate

£149,000

£142k - £157kHigh

Estimate

£149k

Range

£142k – £157k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

6.40%

Verdict

Derived from HomePortfolio scores

5 Ludgate earns an INVESTIGATE rating with HP Score 75/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (86/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

34/ 100

Moderate

Walkability

86/ 100

Excellent

Transit & Bike

Transit 23Bike 58

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£150,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £48/mo
Cash on cash: 1.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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£149,000

Rent Estimate (pcm)£800

Gross Yield6.40%

1y Growth-

3y Growth-2.4%

5y Growth+0.6%

10y Growth+3.8%

Last Sold Price£105,000 (2014-08-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B79 7EG

Approval Rate

-12mo

Development

low

0258/2026
Advertisement Consent : Non-illuminated Signage alteration to include police crest and amendment of lettering to the fire station principal elevation
Pending
0254/2026
Reserved Matters in relation to layout, scale, appearance and landscape for the construction of up to 123 new homes (including 20% affordable), a 80-bed care home, access, public open space, landscaping, attenuation basin and associated infrastructure pursuant to outline application 0363/2023.
Pending
0246/2026
Listed Building Consent :Repairing of boundary wall and windows and a change of size of 2 windows (retrospective)
Pending

View Planning Timeline

Ownership

Corporate Ownership72.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-08-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,167

Population Density-

Owner Occupied54%

Age Distribution

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

View Area Profile

Schools Nearby

Moorgate Primary Academy
0.1 mi
GoodConcerns
Landau Forte Academy, QEMS
0.5 mi
Good
Landau Forte Academy Tamworth Sixth Form
0.5 mi
-
Mortimer House School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1A Ludgate
-
£105k
-
1 Ludgate
-
£120k
-
16 Ludgate
-
£210k
-
3 Ludgate
-
£165k
-

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