43B Union Street, Wallasey, CH44 0BL

UPRN:42191672Terrace Property3 bedsBuilt 2012 onwards

FreeholdCouncil Tax: Band BEPC: C (78)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 3mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£158,000

£150k - £166kHigh

Estimate

£158k

Range

£150k – £166k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

7.33%

Verdict

Derived from HomePortfolio scores

43B Union Street earns an INVESTIGATE rating with HP Score 78/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (75/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

74/ 100

High

Crime Score

17/ 100

Moderate

Walkability

75/ 100

High

Transit & Bike

Transit 25Bike 39

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -13.9% (HIGH)] → measured edge -0.33pp 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 42191672· as of 12 Oct 2026
Rental economics17.3/40
gross yield 7.3%; range width penalty ×0.93
- valuation_snapshotsrent estimate 1100/mo (range 1050-1200)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -81/mo, -7% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 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 & liquidity14.6/15
325 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

£135,000£207,000

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£180,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £154/mo
Cash on cash: 3.3%
Score at this price: 30

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.81 - 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 42191672Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1100/mo (range 1050-1200)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
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 1100/mo (range 1050-1200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 42 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£158,000

Rent Estimate (pcm)£1,100

Gross Yield7.33%

1y Growth+6.3%

3y Growth+4.2%

5y Growth+5.6%

10y Growth+5.6%

Last Sold Price£142,000 (2024-11-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH44 0BL

Approval Rate

-12mo

Development

low

LDP/26/00938
Application for Certificate of lawful development for an existing new window, door, and extractor fan flue
Pending
NMA/26/00868
Change of description to the following : Change of use of the space above 10 & 12 liscard village, from commercial to residential, 2x one bed apartments to be created.
Pending
APP/26/00653
To sever garden to the side of 48 Penkett Road and erect a two and half storey detached dwelling and amendments to the front boundary wall to form two vehicular accesses and an improved visibility splay to an existing vehicular access to 46A&B Penkett Road.
Pending

View Planning Timeline

Ownership

Corporate Ownership85.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-11-22
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 Density11,558 /km²

Owner Occupied34%

Age Distribution

0-15 25%16-64 64%65+ 11%

View Area Profile

Schools Nearby

Egremont Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Somerville Primary School
0.4 mi
Good
Edstart Schools Wirral
0.4 mi
Good
Liscard Primary School
0.5 mi
Good

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

61 Union Street
-
£70k
-
43A Union Street
-
£128k
-
49 Union Street
-
£123k
-
43B Union Street
-
£142k
-

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