12 Radley Road, Wallasey, CH44 2BU

UPRN:42094994Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: D (57)

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

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£303,000

£288k - £318kHigh

Estimate

£303k

Range

£288k – £318k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

7.66%

Verdict

Derived from HomePortfolio scores

12 Radley Road earns an INVESTIGATE rating with HP Score 84/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (82/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

84/ 100

Strong

Investment Score

71/ 100

High

Crime Score

9/ 100

Low

Walkability

82/ 100

High

Transit & Bike

Transit 37Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 6 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +4.3% (HIGH), sold-comps -7.0%, £/sqft -7.2%] → 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 42094994· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.2%· as of 22 Oct 2026
Rental economics20.9/40
gross yield 7.7%; range width penalty ×0.98
- valuation_snapshotsrent estimate 1850/mo (range 1750-1950)· as of 9 Oct 2026· verify before relying on this
Stress margin0.3/30
stressed cash flow +6/mo, +0% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 273 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 6 Nov 2026
Risk & liquidity14.7/15
325 sales/12mo in area; valuation range width 10%
- 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 sensitivityScores 70+ up to £217,500

£217,500£333,500

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£289,995

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,750-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £92,799
Net cash flow: £302/mo
Cash on cash: 3.9%
Score at this price: 36

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.89 - clears 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 42094994Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.2%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 1850/mo (range 1750-1950)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1850/mo (range 1750-1950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 273 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. Set your walk-away price before viewing - above £217,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£303,000

Rent Estimate (pcm)£1,850

Gross Yield7.66%

1y Growth+29.4%

3y Growth+4.2%

5y Growth+5.6%

10y Growth+5.6%

Last Sold Price£189,950 (2018-05-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH44 2BU

Approval Rate

-12mo

Development

low

NMA/26/00931
1. Boundary treatment to the back of footpath, removal of the brick wall and replaced with 1.1m black metal railings. 2. New 1.1m Black metal railing to the top of sloped paviors to the front of new offices 2. Removal of 1no visitor parking. 3. Signage to front elevation of new office. 4. The scheme of hard and soft landscaping
Pending
NMA/26/00868
Change of description to the following : Change of use of the space above 10 & 12 liscard village, from commercial to residential, 2x one bed apartments to be created.
Pending
APPH/26/00859
Erect Detached Garage
Pending

View Planning Timeline

Ownership

Corporate Ownership85.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-05-22
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 Density-

Owner Occupied88%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

St George's Primary School
0.2 mi
Good
St Mary's Catholic College, A Voluntary Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Mosslands School
0.3 mi
Requires improvement
Co-op Academy Oldershaw
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

17 Radley Road
-
£308k
-
30 Radley Road
-
£300k
-
28 Radley Road
-
£176k
-
16 Radley Road
-
£310k
-

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