2 The Finney, Caldy, Wirral, CH48 2LL

UPRN:42137623Detached House5 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band GEPC: C (76)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£902,000

£857k - £947kHigh

Estimate

£902k

Range

£857k – £947k

Rent Estimate (pcm)

-- - --

Verdict

Derived from HomePortfolio scores

2 The Finney earns an INVESTIGATE rating with HP Score 65/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (6/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

6/ 100

Low

Transit & Bike

Transit 2Bike 39

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires rental_economics (no rent estimate available)

What we could establish

Valuation edge2.5/15
claims [AVM +0.2% (HIGH), sold-comps +19.0%, £/sqft +19.0%] → measured edge +0.50pp 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 10 Oct 2026
- valuation_snapshotsestimate for 42137623· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 6.1%· as of 3 Nov 2026
Risk & liquidity14.6/15
213 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Evidence

Where every number comes from

valuation_snapshotsestimate for 42137623Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 6.1%Valuation edge · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

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 could not be scored
no rent estimate available
Stress margin could not be scored
no rent to stress

Plan

Before you offer

1. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
2. 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.
3. Fill the rental economics gap before relying on the score.
no rent estimate available
4. Fill the stress margin gap before relying on the score.
no rent to stress

Valuation & Market

Sale Estimate£902,000

Rent Estimate (pcm)-

Gross Yield-

1y Growth-

3y Growth+0.0%

5y Growth+1.7%

10y Growth+3.8%

Last Sold Price£250,000 (1997-05-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH48 2LL

Approval Rate

-12mo

Development

low

APPH/26/00803
Two-storey side extension to detached dwelling
Pending
APPH/26/00750
Application for Planning permission on a partially retrospective basis for the erection of single storey extension to rear and loft conversion
Pending
DIS/26/00728
Discharge Conditions (APPH/22/01521 & LBC/22/02229) 3 - MATERIALS 5 - EXTERNAL LIGHTING 6 - BIRD AND BAT BOXES
Pending

View Planning Timeline

Ownership

Corporate Ownership69.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1997-05-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,959

Population Density425 /km²

Owner Occupied95%

Age Distribution

0-15 15%16-64 51%65+ 34%

View Area Profile

Schools Nearby

Avalon School
0.8 mi
Inspected by ISI
Calday Grange Grammar School
0.9 mi
Inspected as Calday Grange Grammar School (URN 105112) on 17 Nov 2010
West Kirby St Bridget's CofE Primary School
1.1 mi
Inspected as West Kirby St Bridget's CofE Primary School (URN 105062) on 22 Oct 2024
Thurstaston Dawpool CofE Primary School
1.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

3 The Finney
-
£680k
-
5 The Finney
-
£565k
-
7 The Finney
-
£560k
-
4 The Finney
-
£725k
-

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