Carfax, 101 Barnston Road, Thingwall, Wirral, CH61 1AS

UPRN:42007198Detached House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band EEPC: D (68)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 3mo agoAmenities· 1mo agoArea· Census 2021

Carfax, 101 Barnston Road, Thingwall, Wirral, CH61 1AS

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£664,000

£597k - £730kMedium

Estimate

£664k

Range

£597k – £730k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

3.48%

Verdict

Derived from HomePortfolio scores

Carfax earns an INVESTIGATE rating with HP Score 74/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (44/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

44/ 100

Mixed

Transit & Bike

Transit 7Bike 26

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -9.2% (MEDIUM), sold-comps -8.2%, £/sqft -8.2%] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 42007198· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 16.7%· as of 1 Nov 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.72
- valuation_snapshotsrent estimate 2100/mo (range 1850-2350)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,645/mo, -78% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 28 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 2 Nov 2026
Risk & liquidity12.8/15
203 sales/12mo in area; valuation range width 20%
- 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 sensitivity

£544,000£833,500

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£725,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,850-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £245,050
Net cash flow: -£993/mo
Cash on cash: -4.9%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.86 - below 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 42007198Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 16.7%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 2100/mo (range 1850-2350)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 2100/mo (range 1850-2350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 28 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. 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£664,000

Rent Estimate (pcm)£2,100

Gross Yield3.48%

1y Growth-

3y Growth+1.6%

5y Growth+2.1%

10y Growth+4.2%

Last Sold Price£437,500 (2017-09-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CH61 1AS

Approval Rate

-12mo

Development

low

APPH/26/00641
Demolish existing single garage and conservatory. Proposed Ground floor and First floor wrap around extensions with front and rear dormer roof to create additional living accommodation and garage with external alterations.
Pending
APP/26/00514
Change of Use - Conversion of part of the Farmhouse from Residential to Offices (Class E - Commercial, Business and Service)
Pending
APP/26/00433
Technical Details Consent pursuant to Permission in Principle ref: PIP/25/00323 for the demolition of the existing dwelling and provision of up to two dwellings, with associated works.
Pending

View Planning Timeline

Ownership

Corporate Ownership75%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-09-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,959

Population Density354 /km²

Owner Occupied80%

Age Distribution

0-15 16%16-64 61%65+ 23%

View Area Profile

Schools Nearby

Thingwall Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Stanley School
1.1 mi
Good
Pensby Primary School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Irby Primary School
1.2 mi
Inspected as Irby Primary School (URN 105025) on 11 Jul 2023

3 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

101 Barnston Road
-
£438k
-
105 Barnston Road
-
£375k
-
105 Barnston Road
-
£370k
-
105 Barnston Road
-
£350k
-

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