Gayton Lodge, 3 Barnston Road, Heswall, Wirral, CH60 2SN

UPRN:42132585Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band GEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

Gayton Lodge, 3 Barnston Road, Heswall, Wirral, CH60 2SN

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£613,000

£551k - £674kMedium

Estimate

£613k

Range

£551k – £674k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

2.86%

Verdict

Derived from HomePortfolio scores

Gayton Lodge earns an INVESTIGATE rating with HP Score 75/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (44/100). 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)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

75/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

44/ 100

Mixed

Transit & Bike

Transit 23Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -26.4% (MEDIUM), sold-comps -50.5%, £/sqft -50.3%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 42132585· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 25%· as of 27 Oct 2026
Rental economics0/40
gross yield 2.9%; range width penalty ×0.71
- valuation_snapshotsrent estimate 1850/mo (range 1650-2100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,040/mo, -110% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 64 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 & liquidity12.8/15
152 sales/12mo in area; valuation range width 20%
- 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

£581,000£891,000

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£775,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,650-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £262,550
Net cash flow: -£1,335/mo
Cash on cash: -6.1%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - below 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 42132585Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 25%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 1850/mo (range 1650-2100)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

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 1850/mo (range 1650-2100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 64 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. 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£613,000

Rent Estimate (pcm)£1,850

Gross Yield2.86%

1y Growth-

3y Growth+4.1%

5y Growth+2.6%

10y Growth+5.0%

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

0CH60 2SN

Approval Rate

-12mo

Development

low

APPH/26/00929
Single storey extension
Pending
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
APPH/26/00858
Demolition of garage and construction of two storey front and side extension, with raised ridge height and addition of first floor accommodation with front and rear dormers and external alterations to existing dwelling including render to external walls.
Pending

View Planning Timeline

Ownership

Corporate Ownership61.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,959

Population Density2,036 /km²

Owner Occupied90%

Age Distribution

0-15 12%16-64 49%65+ 39%

View Area Profile

Schools Nearby

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

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

View All Schools

Comparables

View All

1 Barnston Road
-
£400k
-
11 Barnston Road
-
£570k
-
7 Barnston Road
-
£611k
-
5 Barnston 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