The Beech, Torpenhow, Montgomery Hill, Wirral, CH48 1NF

UPRN:42132148Flat/MaisonetteBeds -Built before 1900

LeaseholdCouncil Tax: -EPC: F (34)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

The Beech, Torpenhow, Montgomery Hill, Wirral, CH48 1NF

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£413,000

£392k - £433kHigh

Estimate

£413k

Range

£392k – £433k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

5.93%

Verdict

Derived from HomePortfolio scores

The Beech earns an INVESTIGATE rating with HP Score 66/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (19/100). 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

66/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

19/ 100

Low

Transit & Bike

Transit 6Bike 20

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -0.5% (HIGH)] → 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 12 Oct 2026
- valuation_snapshotsestimate for 42132148· as of 12 Oct 2026
Rental economics6.7/40
gross yield 5.9%; range width penalty ×0.91
- valuation_snapshotsrent estimate 2050/mo (range 1900-2200)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -374/mo, -18% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 108 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 4 Nov 2026
Risk & liquidity14.7/15
213 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 sensitivity

£311,000£477,000

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£415,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,900-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £136,550
Net cash flow: £19/mo
Cash on cash: 0.2%
Score at this price: 21

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.46 - 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 42132148Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 2050/mo (range 1900-2200)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 2050/mo (range 1900-2200)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£413,000

Rent Estimate (pcm)£2,050

Gross Yield5.93%

1y Growth-38.4%

3y Growth+0.0%

5y Growth+1.7%

10y Growth+3.8%

Last Sold Price£250,000 (2017-01-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH48 1NF

Approval Rate

-12mo

Development

low

APPH/26/00869
The proposal comprises the construction of a single-storey rear extension with associated internal alterations and external works. The application also includes the formation of a first-floor balcony/terrace area to the rear elevation, with associated balustrading and finishing works.
Pending
APPH/26/00850
Single storey en-suite extension with integrated new porch with a slate roof. New windows and doors throughout including new french doors to replace a window. New agricultural hawthorn hedge and wire stock fence to boundary as indicated.
Pending
APPH/26/00743
Two storey side and single storey rear extension, porch to front and dormer alterations
Pending

View Planning Timeline

Ownership

Corporate Ownership69.6%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-01-10
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 Density557 /km²

Owner Occupied91%

Age Distribution

0-15 12%16-64 48%65+ 40%

View Area Profile

Schools Nearby

Calday Grange Grammar School
0.8 mi
Inspected as Calday Grange Grammar School (URN 105112) on 17 Nov 2010
Thurstaston Dawpool CofE Primary School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Hilbre High School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
Greasby Junior School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Pine View Montgomery Hill
-
£282k
-
Torpenhow Montgomery Hill
-
£365k
-
Glenside Montgomery Hill
-
£550k
-
Torpenhow Cottages Montgomery Hill
-
£416k
-

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