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Flat 1, 17 Spencers Lane, Melling, Liverpool, L31 1HA

UPRN:41224822Detached Property3 bedsBuilt -
FreeholdCouncil Tax: -EPC: -AI-Powered Intelligence
Data freshness:Listing· freshListing: fresh, refreshed 4d ago (2026-09-17T04:00:02.382776+00:00)Price Paid· 2mo agoPrice Paid: ageing, refreshed 2mo ago (2026-08-01T00:05:07.844309+00:00)Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-05-20T08:19:50.636452+00:00)Risk· 3mo agoRisk: ageing, refreshed 3mo ago (2026-07-04T06:46:22.443816+00:00)Crime· freshCrime: fresh, refreshed 2d ago (2026-09-20T01:24:22.764986+00:00)Connectivity· 3mo agoConnectivity: ageing, refreshed 3mo ago (2026-07-04T20:23:28.637306+00:00)Schools· 3mo agoSchools: ageing, refreshed 3mo ago (2026-07-07T02:37:19.861486+00:00)Amenities· 3mo agoAmenities: ageing, refreshed 3mo ago (2026-07-05T20:05:00.707256+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
Flat 1, 17 Spencers Lane, Melling, Liverpool, L31 1HA
Location map - no listing photos available

HP Score

Strong
Verdict
yesterday
  • BUY
    Strong fundamentals
  • INVESTIGATE
    Mixed signals - investigate
  • AVOID
    High risk factors
Confidence
Medium
Sale Estimate
£144,000
£115k - £173kLow
Estimate
£144k
Range
£115k – £173k
Rent Estimate (pcm)
£700
£650 - £750Medium
Monthly
£700
Yield
5.98%

AI Verdict

Derived from HomePortfolio scores

AI summary

Flat 1 earns a INVESTIGATE rating with HP Score 69/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (25/100). 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 SourcesZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS
HP Score
69/ 100
Moderate
Investment Score
60/ 100
Moderate
Crime Score
9/ 100
Low
Walkability
25/ 100
Low
Transit & Bike
Low
Real Data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

  • asking price missing or outside scoring range
  • listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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
£1,185

At the asking price

£700/mo

Evidenced range £650-£750

5.4%
75%
Cash required
£1,655
Net cash flow
£481/mo
Cash on cash
348.4%
Score at this price
-

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 175.03 - 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. 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£144,000
Rent Estimate (pcm)£700
Gross Yield5.98%
1y Growth-
3y Growth+3.1%
5y Growth+3.5%
10y Growth+4.2%
Last Sold Price-
View Market Details

Risk Overview

  • Flood RiskVery low
  • Subsidence1
  • RadonLow
  • MiningUnknown
  • Landslide1
  • Air QualityUnknown
  • NoiseLow
View Full Risk Report

Planning Activity

Recent Apps
1L31 1HA
Approval Rate
-12mo
Development
low
  • DC/2026/00784
    Certificate of lawfulness for the proposed orangery following the demolition of existing conservatory.
    Pending
View Planning Timeline

Ownership

  • Corporate Ownership67.7%
  • Overseas OwnershipNo
  • Lease Term Remaining-
  • CovenantsRestrictive
  • Lease TypeFreehold
  • Last Ownership Change-
  • SourceLand Registry
View Ownership Details

Connectivity

Broadband (Standard)
1 Mbps
Mobile 4G/5G Coverage
-
EV Charger
-
PTAL Rating
-
View Connectivity Map

Area Profile

Median Household Income£27,006
Population Density3,416 /km²
Owner Occupied86%
Age Distribution
0-15 19%16-64 62%65+ 19%
View Area Profile

Schools Nearby

  • Melling Primary School
    0.5 mi
    Good
  • Westvale Primary School
    0.5 mi
    Report card2025

    Ofsted no longer awards a single overall grade.

  • Holy Rosary Catholic Primary School
    0.8 mi
    Area grades2025

    Inspected after Ofsted withdrew the single overall grade.

  • St Michael and All Angels Catholic Primary School
    0.8 mi
    Report card2026

    Ofsted no longer awards a single overall grade.

5 of 14 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All
  • 31 Spencers Lane
    -
    £305k
    -
  • 53 Spencers Lane
    -
    £170k
    -
  • 51 Spencers Lane
    -
    £230k
    -
  • 31 Spencers Lane
    -
    £296k
    -