41 Spooner Croft, Birmingham, B5 7JN

UPRN:10094295979Terrace Property4 bedsBuilt -

FreeholdCouncil Tax: -EPC: B (86)AI-Powered Intelligence

Data freshness:Listing· freshPrice Paid· 2mo agoPlanning· 3mo agoEPC· 5mo agoRisk· freshCrime· freshConnectivity· freshSchools· 1mo agoAmenities· freshArea· Census 2021

Location map - no listing photos available

HP Score

/ 100

Strong

Verdict

yesterday

BUY
Strong fundamentals
INVESTIGATE
Mixed signals - investigate
AVOID
High risk factors

Confidence

Medium

Sale Estimate

£433,000

£412k - £455kHigh

Estimate

£433k

Range

£412k – £455k

Rent Estimate (pcm)

£2,050

£2k - £2kMedium

Monthly

£2,050

Yield

6.80%

AI Verdict

Derived from HomePortfolio scores

AI summary

41 Spooner Croft earns a INVESTIGATE rating with HP Score 62/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (90/100). Flood risk is rated very low. Tenure is freehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

62/ 100

Moderate

Investment Score

63/ 100

Moderate

Crime Score

85/ 100

Elevated

Walkability

90/ 100

Excellent

Transit & Bike

Excellent

Real Data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 28 Sept 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/40
claims [AVM -0.5% (HIGH)] → consensus -0.5% → credited 0.0% after backtest shrinkage; single-source claim - capped pending corroboration
- zoopla_valuationsestimate for 10094295979· as of 11 Aug 2026
Rental economics5.9/30
gross yield 5.7%; range width penalty ×0.91
- zoopla_valuationsrent estimate 2050/mo (range 1900-2200)· as of 11 Aug 2026· verify before relying on this
Seller motivation5/20
0 price cut(s), 235 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 28 Sept 2026
Risk & liquidity9.8/10
67 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Calibrated against 6,141 realised listing→HMLR-sale outcomes, estimates taken as-of listing month. A large discount from one source alone is capped - independent sources must agree before it counts fully.

Economics

What happens to your money

Price sensitivity

£326,000£500,000

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£435,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,900-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £143,550
Net cash flow: -£49/mo
Cash on cash: -0.4%
Score at this price: 21

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.40 - 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

zoopla_valuationsestimate for 10094295979Valuation edge · as of 11 Aug 2026
zoopla_valuationsrent estimate 2050/mo (range 1900-2200)Rental economics · as of 11 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 28 Sept 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 2050/mo (range 1900-2200)

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

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. Treat the discount as unconfirmed - compare recent sold prices on the street yourself before pricing an offer around it.
Only one independent source currently supports the valuation edge.
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£433,000

Rent Estimate (pcm)£2,050

Gross Yield6.80%

1y Growth-

3y Growth-12.8%

5y Growth-6.8%

10y Growth+1.3%

Last Sold Price£280,000 (2019-06-28)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonLow
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B5 7JN

Approval Rate

-12mo

Development

low

2026/04890/PA
Erection of single storey rear extension
Pending
2026/04774/PA
Application to determine the details for condition number (6- Shop Front Design 14- Extraction and odour control 16-Noise insulation) attached to reference number 2018/05638/PA
Pending
2026/04555/PA
Display of 6 no. illuminated signs
Pending

View Planning Timeline

Ownership

Corporate Ownership25.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-06-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£33,374

Population Density-

Owner Occupied20%

Age Distribution

0-15 21%16-64 72%65+ 7%

View Area Profile

Schools Nearby

Lillian De Lissa Nursery School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Chandos Primary School
0.3 mi
Requires improvement
St Catherine of Siena Catholic Primary School
0.3 mi
Good
Ark St Alban's Academy
0.3 mi
Good

4 of 8 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

31 Spooner Croft
-
£325k
-
11 Spooner Croft
-
£200k
-
16 Spooner Croft
-
£282k
-
12 Spooner Croft
-
£265k
-

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