10 Scotia Avenue, Wirral, CH62 1HQ

UPRN:42137435Semi-Detached House3 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band AEPC: D (66)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 3mo 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

18 of 21 sources

Sale Estimate

£179,000

£170k - £188kHigh

Estimate

£179k

Range

£170k – £188k

Rent Estimate (pcm)

£900

£800 - £950

Monthly

£900

Yield

6.00%

Verdict

Derived from HomePortfolio scores

10 Scotia Avenue earns an INVESTIGATE rating with HP Score 76/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (54/100). 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 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

54/ 100

Moderate

Transit & Bike

Transit 14Bike 45

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£180,000

At the asking price

Monthly rent£900/mo

Evidenced range £800-£950

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £16/mo
Cash on cash: 0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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£179,000

Rent Estimate (pcm)£900

Gross Yield6.00%

1y Growth-

3y Growth+4.3%

5y Growth+4.3%

10y Growth+4.1%

Last Sold Price£162,500 (2023-03-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH62 1HQ

Approval Rate

-12mo

Development

low

ADV/26/00834
Application for advertisement consent for installation of a proposed new global street hub (a digital street-furniture unit these hubs replace traditional phone boxes to provide free public utilities and high-impact digital advertising) , including the associated display of advertisements on both sides of the unit.
Pending
APP/26/00836
Application for full planning permission for installation of a proposed new global street hub ( a digital street-furniture unit these hubs replace traditional phone boxes to provide free public utilities and high-impact digital advertising).
Pending
DIS/26/00841
Discharge of condition 3 (method for cleaning of stonework and results of sample) and condition 4 (sample of new replacement paving) of LBC/25/00892 and APP/25/00891
Pending

View Planning Timeline