2 Trinity Lodge, 103 Lonsdale Road, Formby, Liverpool, L37 3AA

UPRN:41231782Flat/Maisonette1 bedsBuilt -

LeaseholdCouncil Tax: -EPC: B (82)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

2 Trinity Lodge, 103 Lonsdale Road, Formby, Liverpool, L37 3AA

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£192,000

£183k - £202kHigh

Estimate

£192k

Range

£183k – £202k

Rent Estimate (pcm)

£900

£850 - £1k

Monthly

£900

Yield

5.68%

Verdict

Derived from HomePortfolio scores

2 Trinity Lodge earns an INVESTIGATE rating with HP Score 77/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (81/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

33/ 100

Moderate

Walkability

81/ 100

High

Transit & Bike

Transit 27Bike 35

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - 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£190,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: -£18/mo
Cash on cash: -0.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.40 - 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£192,000

Rent Estimate (pcm)£900

Gross Yield5.68%

1y Growth+8.2%

3y Growth+1.9%

5y Growth+2.1%

10y Growth+2.9%

Last Sold Price£195,000 (2023-11-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0L37 3AA

Approval Rate

-12mo

Development

low

DC/2026/01816
Proposed Porch Extension
Pending
DC/2026/01796
Proposed detached Garage.
Pending
DC/2026/01780
Application for the change of use of existing commercial unit (Class E) to a wine shop and tasting rooms (Sui Generis)
Pending

View Planning Timeline

Ownership

Corporate Ownership74.7%
Overseas OwnershipNo
Lease Term Remaining115 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2023-11-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,335

Population Density3,002 /km²

Owner Occupied81%

Age Distribution

0-15 15%16-64 49%65+ 36%

View Area Profile

Schools Nearby

Formby High School
0.2 mi
Good
Our Lady of Compassion Catholic Primary School
0.5 mi
Good
Woodlands Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Freshfield Primary School
0.6 mi
Outstanding

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

View All Schools

Comparables

View All

Trinity Lodge, 103 Lonsdale Road
-
£175k
-
Trinity Lodge, 103 Lonsdale Road
-
£165k
-
Trinity Lodge, 103 Lonsdale Road
-
£235k
-
Trinity Lodge, 103 Lonsdale Road
-
£245k
-

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