42 Stanhope Drive, Liverpool, L36 4LN

UPRN:40041002Terrace Property3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band AEPC: D (66)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 2mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£156,000

£148k - £164kHigh

Estimate

£156k

Range

£148k – £164k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

9.12%

Verdict

Derived from HomePortfolio scores

42 Stanhope Drive earns an INVESTIGATE rating with HP Score 73/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (49/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

49/ 100

Mixed

Transit & Bike

Transit 17Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -1.2% (HIGH)] → measured edge +0.00pp 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 12 Oct 2026
- valuation_snapshotsestimate for 40041002· as of 12 Oct 2026
Rental economics31.3/40
gross yield 9.1%; range width penalty ×0.95
- valuation_snapshotsrent estimate 1200/mo (range 1150-1300)· as of 12 Oct 2026· verify before relying on this
Stress margin7.1/30
stressed cash flow +86/mo, +7% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 61 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 2 Nov 2026
Risk & liquidity14.6/15
323 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 £126,500

£118,500£181,500

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£157,950

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,150-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £49,345
Net cash flow: £298/mo
Cash on cash: 7.2%
Score at this price: 53

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.25 - 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 40041002Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1200/mo (range 1150-1300)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1200/mo (range 1150-1300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 61 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 →

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 £126,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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£156,000

Rent Estimate (pcm)£1,200

Gross Yield9.12%

1y Growth-

3y Growth+2.8%

5y Growth+2.8%

10y Growth+4.3%

Last Sold Price£105,000 (2021-04-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L36 4LN

Approval Rate

-12mo

Development

low

26/00481/FUL
ERECTION OF A 2.4M PALADIN FENCE TO SITE BOUNDARY
Pending
26/00523/CLD
CERTIFICATE OF LAWFUL DEVELOPMENT FOR A PROPOSED CONVERSION OF EXISTING GARAGE TO A HABITABLE ROOM
Pending
26/00508/TWA
FELL 2 NO. SYCAMORE TREES (G3) & (T5), REDUCTION IN HEIGHT TO 1 NO. LAUREL (G2), REDUCTION IN HEIGHT TO 1 NO. HEDGE (G1), CUTTING BACK OF 1 NO. HAWTHORN TREE (T4), CUTTING BACK OF 1 NO. SYCAMORE TREE (T3) AND CUTTING BACK OF 2 NO. LIME TREES (T1) & (T2)
Pending

View Planning Timeline

Ownership

Corporate Ownership60.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-04-09
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£32,542

Population Density5,551 /km²

Owner Occupied63%

Age Distribution

0-15 19%16-64 61%65+ 20%

View Area Profile

Schools Nearby

St Aloysius Catholic Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Roby Park Primary School
0.4 mi
-
Park View Academy
0.4 mi
Good
Huyton With Roby Church of England Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

5 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

31 Stanhope Drive
-
£90k
-
37 Stanhope Drive
-
£140k
-
2 Stanhope Drive
-
£120k
-
42 Stanhope Drive
-
£105k
-

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