44 Thornton Street, Birkenhead, CH41 0BE

UPRN:42116273Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: -EPC: C (70)

44 Thornton Street, Birkenhead, CH41 0BE

HP Score

Not available

Verdict

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

Evidence

16 of 21 sources

Sale Estimate

£113,000

£102k - £124kMedium

Estimate

£113k

Range

£102k – £124k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

10.80%

Verdict

Derived from HomePortfolio scores

44 Thornton Street earns an INVESTIGATE rating; it has no HP Score yet. Walkability is good (76/100). 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 addressWalk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

No data

Investment Score

No data

Crime Score

No data

Walkability

76/ 100

High

Transit & Bike

Transit 26Bike 53

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

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

Valuation edge0/15
claims [AVM +11.5% (MEDIUM)] → 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 42116273· as of 12 Oct 2026
Rental economics39.1/40
gross yield 10.8%; range width penalty ×0.98
- valuation_snapshotsrent estimate 900/mo (range 850-950)· as of 12 Oct 2026· verify before relying on this
Stress margin12.2/30
stressed cash flow +110/mo, +12% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 58 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 & liquidity3.9/15
valuation range width 19%
- 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

£75,000£115,000

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£100,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £31,300
Net cash flow: £286/mo
Cash on cash: 10.9%
Score at this price: 55

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.67 - 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 42116273Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-950)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 900/mo (range 850-950)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 58 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£113,000

Rent Estimate (pcm)£900

Gross Yield10.80%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price£77,000 (2022-01-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-CH41 0BE

Approval Rate

-12mo

Development

APP/26/00874
Replacement of existing Cambrian slate roof covering to rear extension at Ashville Lodge with a Mayan Armoured Slate roofing system to address water ingress associated with the existing low-pitch roof.
Pending
APPH/26/00696
Removal and reinstatement of entrance steps approaching the property's principal entrance
Pending
LBC/26/00695
Removal and reinstatement of entrance steps approaching the property's principal entrance
Pending

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-01-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,959

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Co-op Academy Portland
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Wirral Hospitals' School
0.2 mi
Inspected as Wirral Hospitals' School (URN 105139) on 17 Apr 2024
Birkenhead Sixth Form College
0.3 mi
-
Bidston Avenue Primary School
0.3 mi
Inspected as Bidston Avenue Primary School (URN 105060) on 19 Sep 2023

4 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

32 Thornton Street
-
£104k
-
3 Thornton Street
-
£107k
-
14 Thornton Street
-
£80k
-
25 Thornton Street
-
£75k
-

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