9 Earls Close, Liverpool, L23 3BU

UPRN:41027407Semi-Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band CEPC: C (70)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£363,000

£345k - £381kHigh

Estimate

£363k

Range

£345k – £381k

Rent Estimate (pcm)

£1,700

£2k - £2k

Monthly

£1,700

Yield

5.10%

Verdict

Derived from HomePortfolio scores

9 Earls Close earns an INVESTIGATE rating with HP Score 86/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (88/100). 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

86/ 100

Strong

Investment Score

73/ 100

High

Crime Score

12/ 100

Low

Walkability

88/ 100

Excellent

Transit & Bike

Transit 23Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -10.2% (HIGH), sold-comps -20.1%, £/sqft -20.3%] → measured edge -0.33pp 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 41027407· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.1%· as of 1 Nov 2026
Rental economics0.7/40
gross yield 5.1%; range width penalty ×0.91
- valuation_snapshotsrent estimate 1700/mo (range 1600-1850)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -568/mo, -33% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 52 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 3 Nov 2026
Risk & liquidity14.7/15
309 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 sensitivity

£300,000£460,000

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£400,000

At the asking price

Monthly rent£1,700/mo

Evidenced range £1,600-£1,850

Interest rate5.4%

Loan to value75%

Cash required: £131,300
Net cash flow: -£173/mo
Cash on cash: -1.6%
Score at this price: 14

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - 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 41027407Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.1%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 1700/mo (range 1600-1850)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 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 1700/mo (range 1600-1850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 52 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£363,000

Rent Estimate (pcm)£1,700

Gross Yield5.10%

1y Growth-

3y Growth+1.7%

5y Growth+1.4%

10y Growth+3.9%

Last Sold Price£222,500 (2016-02-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0L23 3BU

Approval Rate

-12mo

Development

low

DC/2026/01685
Tree preservation order for the reduction from phonelines by 1 Metres for 1 group of Beech trees (1A), reduction from Phonelines by 1 Metres 1.No Bird Cherry Tree (RDN08) and reduction from property by 1.5 Metres for 1.no Sycamore tree (CRDN06) (TPO)
Pending
DC/2026/01689
Erection of a ground floor commercial unit (Use Class E) and a first floor self-contained flat (Use Class C3) with a terrace. The flat is proposed to acquire 1 bedroom from the existing flat in 70E which is also under the ownership of the applicant.
Pending
DC/2026/01598
Conversion of dwelling into 3.No Self contained flats (As former permission DC/2023/01321).
Pending

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-02-12
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£29,335

Population Density6,149 /km²

Owner Occupied82%

Age Distribution

0-15 20%16-64 60%65+ 20%

View Area Profile

Schools Nearby

St. Mary's College
0.3 mi
Inspected by ISI
Merchant Taylors' Schools
0.3 mi
Inspected by ISI
Olsen House School
0.4 mi
Good
Sacred Heart Catholic Academy
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

1 Earls Close
-
£361k
-
7 Earls Close
-
£220k
-
18 Earls Close
-
£230k
-
9 Earls Close
-
£223k
-

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