3 Acorn Gardens, Formby, Liverpool, L37 1LG

UPRN:41238127Detached House5 bedsBuilt 2021

FreeholdCouncil Tax: -EPC: B (89)

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

3 Acorn Gardens, Formby, Liverpool, L37 1LG

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£829,000

£663k - £995kLow

Estimate

£829k

Range

£663k – £995k

Rent Estimate (pcm)

£4,000

£4k - £4k

Monthly

£4,000

Yield

2.09%

Verdict

Derived from HomePortfolio scores

3 Acorn Gardens earns an INVESTIGATE rating with HP Score 72/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (42/100). 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)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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

42/ 100

Mixed

Transit & Bike

Transit 23Bike 28

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

asking price missing or outside scoring range
new-build plot advert 177% above the estimate on its UPRN - the estimate describes another home on the development, not this plot

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£2,300,000

At the asking price

Monthly rent£4,000/mo

Evidenced range £3,650-£4,350

Interest rate5.4%

Loan to value75%

Cash required: £881,050
Net cash flow: -£4,993/mo
Cash on cash: -6.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.52 - below 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£829,000

Rent Estimate (pcm)£4,000

Gross Yield2.09%

1y Growth-

3y Growth+1.9%

5y Growth+2.1%

10y Growth+2.9%

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

0L37 1LG

Approval Rate

-12mo

Development

low

DC/2026/01816
Proposed Porch Extension
Pending
DC/2026/01813
Discharge of condition 22 (Bat and Bird box Plan) attached to DC/2025/01918 approved on 26/02/2026.
Pending
DC/2026/01796
Proposed detached Garage.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,335

Population Density607 /km²

Owner Occupied92%

Age Distribution

0-15 15%16-64 47%65+ 38%

View Area Profile

Schools Nearby

Formby High School
0.3 mi
Good
Woodlands Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Jerome's Catholic Primary School
0.7 mi
Good
Trinity St Peter's CofE Primary School
0.8 mi
Inspected as Trinity St Peter's CofE Primary School (URN 134988) on 24 Apr 2024

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

View All Schools

Comparables

View All

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