Flat 2, 3 Rocky Lane, Wirral, CH60 0BY

UPRN:42098794Converted Flat2 bedsBuilt 1930-1949

LeaseholdCouncil Tax: -EPC: C (72)

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

19 of 21 sources

Sale Estimate

£288,000

£230k - £345kLow

Estimate

£288k

Range

£230k – £345k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

3.24%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 80/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (84/100). 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 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

80/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 25Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

2 live adverts with different prices, types or bedrooms on one UPRN (£399,995-£499,995) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£499,995

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £166,299
Net cash flow: -£753/mo
Cash on cash: -5.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.80 - 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£288,000

Rent Estimate (pcm)£1,350

Gross Yield3.24%

1y Growth-

3y Growth+4.1%

5y Growth+2.6%

10y Growth+5.0%

Last Sold Price£140,000 (2010-03-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CH60 0BY

Approval Rate

-12mo

Development

low

RVC/26/00932
Variation of condition 2 of planning application APPH/26/00172 (Single storey rear extension, two storey rear extension, increase in roof height, rear dormer extension, extension of existing rear patio and new front porch) to allow for the alteration of the roof material from concrete tiles to Zinc effect metal (Amended Description)
Pending
APP/26/00819
The proposal seeks permission for the installation of 6 number Air Source Heat pump to serve six flats.
Pending
RESX/26/00808
Proposed single storey rear extension with flat roof projecting 5 metres from the existing rear elevation with 2no. roof lanterns. Existing b-folding doors to be re-sited.
Pending

View Planning Timeline

Ownership

Corporate Ownership61.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2010-03-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,959

Population Density-

Owner Occupied75%

Age Distribution

0-15 15%16-64 50%65+ 35%

View Area Profile

Schools Nearby

Heswall St Peter's CofE Primary School
0.2 mi
Good
Heswall Primary School
0.5 mi
Inspected as Heswall Primary School (URN 105038) on 28 Jan 2022
Gayton Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Barnston Primary School
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Sandstone House, 1 Rocky Lane
-
£355k
-
7 Rocky Lane
-
£750k
-
Sandstone House, 1 Rocky Lane
-
£26k
-
Elm Tree Cottage, 12A Rocky Lane
-
£356k
-

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