284 Spital Road, Wirral, CH62 2AW

UPRN:42108116-Beds -Built 1950-1966

Tenure: -Council Tax: Band CEPC: E (52)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£286,000

£257k - £314kMedium

Estimate

£286k

Range

£257k – £314k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

6.59%

Verdict

Derived from HomePortfolio scores

284 Spital Road earns an INVESTIGATE rating with HP Score 70/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (61/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

36/ 100

Elevated

Walkability

61/ 100

Moderate

Transit & Bike

Transit 20Bike 54

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£255,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,300-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £80,550
Net cash flow: £109/mo
Cash on cash: 1.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.63 - 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£286,000

Rent Estimate (pcm)£1,400

Gross Yield6.59%

1y Growth-

3y Growth+4.3%

5y Growth+4.3%

10y Growth+4.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0CH62 2AW

Approval Rate

-12mo

Development

low

LDP/26/00949
Hip to gable build-up, rear dormer and loft conversion
Pending
APPH/26/00867
Existing conservatory to be demolished and replaced with single storey rear extension
Pending
ADV/26/00614
Consent to display 5No. Illuminated and 2No. Non illuminated fascia signs to front elevation 1No. Non illuminated fascia sign to side elevation and 1No. internally illuminated fascia sign to rear elevation
Pending

View Planning Timeline

Ownership

Corporate Ownership70.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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 Occupied85%

Age Distribution

0-15 15%16-64 60%65+ 25%

View Area Profile

Schools Nearby

Co-op Academy Woodslee
0.1 mi
Good
Mendell Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Christ The King Catholic Primary School
0.8 mi
Good
Poulton Lancelyn Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

280 Spital Road
-
£226k
-
286 Spital Road
-
£168k
-
272 Spital Road
-
£185k
-
270 Spital Road
-
£195k
-

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