45 Spenser Street, Bootle, L20 4LN

UPRN:41088299-Beds -Built 1950-1966

Tenure: -Council Tax: Band AEPC: C (74)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£103,000

£82k - £123kLow

Estimate

£103k

Range

£82k – £123k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

8.50%

Verdict

Derived from HomePortfolio scores

45 Spenser Street earns an INVESTIGATE rating with HP Score 66/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (73/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

66/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

49/ 100

Elevated

Walkability

73/ 100

High

Transit & Bike

Transit 32Bike 71

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£120,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £183/mo
Cash on cash: 5.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.10 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£103,000

Rent Estimate (pcm)£850

Gross Yield8.50%

1y Growth-

3y Growth+3.6%

5y Growth+6.4%

10y Growth+5.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1L20 4LN

Approval Rate

0%12mo

Development

low

DC/2026/01628
Approval of details reserved by conditions 2 (light mitigation strategy) and 3 (materials management plan) pursuant to planning permission DC/2026/00217 approved 29/05/2026
Pending
DC/2026/01622
Discharge of conditions 4 (Scheme of sound) and 5 (Cycle storage) attached to DC/2024/01661 approved on 20/05/2025.
Pending
DC/2026/01429
Advertisement consent for replacement of paper and paste advertisement display boards with no 1 illuminated digital advertisement display board
Conditions

View Planning Timeline

Ownership

Corporate Ownership56%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,335

Population Density2,998 /km²

Owner Occupied28%

Age Distribution

0-15 20%16-64 67%65+ 13%

View Area Profile

Schools Nearby

Thomas Gray Primary School
0.2 mi
Inspected as Thomas Gray Primary School (URN 134785) on 8 Nov 2022
All Saints Catholic Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Linacre Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
King's Lander Primary Academy
0.5 mi
Inspected as Lander Road Primary School (URN 104874) on 23 Jun 2023

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

19 Spenser Street
-
£113k
-
13 Spenser Street
-
£77k
-
27 Spenser Street
-
£70k
-
47 Spenser Street
-
£72k
-

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