120 Monfa Road, Bootle, L20 6LP

UPRN:41062647End Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (65)

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

£159,000

£151k - £167kHigh

Estimate

£159k

Range

£151k – £167k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

9.82%

Verdict

Derived from HomePortfolio scores

120 Monfa Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (69/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

70/ 100

High

Crime Score

20/ 100

Moderate

Walkability

69/ 100

Moderate

Transit & Bike

Transit 25Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 3 Nov 2026

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

Valuation edge0/15
claims [AVM -3.8% (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 41062647· as of 12 Oct 2026
Rental economics37.7/40
gross yield 9.8%; range width penalty ×0.98
- valuation_snapshotsrent estimate 1350/mo (range 1250-1400)· as of 12 Oct 2026· verify before relying on this
Stress margin12.3/30
stressed cash flow +166/mo, +12% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 183 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 & liquidity14.6/15
293 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 £152,500

£124,000£189,500

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£165,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £51,600
Net cash flow: £378/mo
Cash on cash: 8.8%
Score at this price: 65

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.42 - 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 41062647Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1350/mo (range 1250-1400)Rental economics · as of 12 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
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 1350/mo (range 1250-1400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 183 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 £152,500 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£159,000

Rent Estimate (pcm)£1,350

Gross Yield9.82%

1y Growth-

3y Growth+3.6%

5y Growth+6.4%

10y Growth+5.5%

Last Sold Price£98,500 (2025-07-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L20 6LP

Approval Rate

-12mo

Development

low

DC/2026/01559
Erection of two storey extension, first floor extension, formation of replacement access ramp and steps and alterations to pedistrain access. Installation of P.V panels, provision of cycle store and internal alterations.
Pending
DC/2026/01672
Prior approval submission for a proposed rear extension projecting 4.50 metres from the rear wall of the original dwellinghouse with a height of 2.48 metres at the eaves and a maximum height of 2.85 metres (Valid from 13/10/2026).
Pending
DC/2026/01683
Single storey rear and side extension with pitched roof
Pending

View Planning Timeline

Ownership

Corporate Ownership56%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-07-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,335

Population Density4,655 /km²

Owner Occupied85%

Age Distribution

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

View Area Profile

Schools Nearby

St Elizabeth's Catholic Primary School
0.2 mi
Good
St Robert Bellarmine Catholic Primary School
0.3 mi
Outstanding
Greenacre Community Nursery School
0.3 mi
Good
King's Lander Primary Academy
0.3 mi
Inspected as Lander Road Primary School (URN 104874) on 23 Jun 2023

4 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

120 Monfa Road
-
£99k
-
112 Monfa Road
-
£245k
-
128 Monfa Road
-
£4.11M
-
136 Monfa Road
-
£128k
-

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