7 Badgers Rake, Formby, Liverpool, L37 1XU

UPRN:41004284Detached House5 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band HEPC: B (82)

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

7 Badgers Rake, Formby, Liverpool, L37 1XU

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£1,610,000

£1.45M - £1.77MMedium

Estimate

£1.61M

Range

£1.45M – £1.77M

Rent Estimate (pcm)

£7,800

£7k - £8k

Monthly

£7,800

Yield

4.93%

Verdict

Derived from HomePortfolio scores

7 Badgers Rake earns an INVESTIGATE rating with HP Score 68/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (22/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

22/ 100

Low

Transit & Bike

Transit 3Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge-0.6/15
claims [AVM -18.0% (MEDIUM), sold-comps -62.4%, £/sqft -62.4%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 41004284· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21%· as of 24 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.88
- valuation_snapshotsrent estimate 7800/mo (range 7150-8400)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,413/mo, -31% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 463 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 30 Oct 2026
Risk & liquidity12.8/15
275 sales/12mo in area; valuation range width 20%
- 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 sensitivity

£1,425,000£1,995,000

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£1,900,000

At the asking price

Monthly rent£7,800/mo

Evidenced range £7,150-£8,400

Interest rate5.4%

Loan to value75%

Cash required: £713,050
Net cash flow: -£1,013/mo
Cash on cash: -1.7%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - below 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 41004284Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 7800/mo (range 7150-8400)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 2026

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 7800/mo (range 7150-8400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 463 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. 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£1,610,000

Rent Estimate (pcm)£7,800

Gross Yield4.93%

1y Growth-

3y Growth+1.9%

5y Growth+2.1%

10y Growth+2.9%

Last Sold Price£975,000 (2021-02-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L37 1XU

Approval Rate

-12mo

Development

low

DC/2026/01816
Proposed Porch Extension
Pending
DC/2026/01796
Proposed detached Garage.
Pending
DC/2026/01769
Tree preservation order for the Re-Pollarding of 1.No Crack Willow tree (TPO11)
Pending

View Planning Timeline

Ownership

Corporate Ownership74.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-02-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,335

Population Density-

Owner Occupied92%

Age Distribution

0-15 15%16-64 47%65+ 38%

View Area Profile

Schools Nearby

St Jerome's Catholic Primary School
0.8 mi
Good
Woodlands Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Formby High School
0.9 mi
Good
St Luke's Church of England Primary School
1.2 mi
Good

4 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

7 Badgers Rake
-
£975k
-
4 Badgers Rake
-
£500k
-
3 Badgers Rake
-
£570k
-
1 Badgers Rake
-
£420k
-

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