45 Banners Street, Halesowen, B63 2SL

UPRN:90053478Terrace Property3 bedsBuilt 1900-1929

FreeholdCouncil Tax: -EPC: D (67)AI-Powered Intelligence

Data freshness:Price Paid· 2mo agoPlanning· 4mo agoEPC· 3mo agoRisk· 3mo agoCrime· freshConnectivity· 3mo agoSchools· 3mo agoAmenities· 3mo agoArea· Census 2021

Location map - no listing photos available

HP Score

/ 100

High Potential

Verdict

today

BUY
Strong overall fundamentals
INVESTIGATE
Some risks
AVOID
High risk factors

Confidence

High

Sale Estimate

£188,000

£179k - £198kHigh

Estimate

£188k

Range

£179k – £198k

Rent Estimate (pcm)

£1,000

£950 - £1kMedium

Monthly

£1,000

Yield

3.81%

AI Verdict

Derived from HomePortfolio scores

AI summary

45 Banners Street earns a BUY rating with HP Score 80/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (72/100). Flood risk is rated very low. Tenure is freehold. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected Nationsvalue historyplanning signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

80/ 100

High

Investment Score

69/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

72/ 100

High

Transit & Bike

High

Real Data

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 12 Sept 2026

Every component scored, and three or more independent sources agree.

Valuation edge17.8/40
claims [AVM +4.3% (HIGH), sold-comps +28.0%, £/sqft +27.9%] → consensus +4.3% → credited 1.3% after backtest shrinkage; corroborated: AVM and sold-evidence family agree
- zoopla_valuationsestimate for 90053478· as of 11 Aug 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.2%· as of 8 Sept 2026
Rental economics16.7/30
gross yield 6.7%; range width penalty ×1.00
- zoopla_valuationsrent estimate 1000/mo (range 950-1050)· as of 11 Aug 2026· verify before relying on this
Seller motivation10/20
1 price cut(s), 205 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 12 Sept 2026
Risk & liquidity9.7/10
350 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Calibrated against 6,141 realised listing→HMLR-sale outcomes, estimates taken as-of listing month. A large discount from one source alone is capped - independent sources must agree before it counts fully.

Economics

What happens to your money

Price sensitivityScores 80+ up to £162,000

£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£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £85/mo
Cash on cash: 1.8%
Score at this price: 54

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - 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

zoopla_valuationsestimate for 90053478Valuation edge · as of 11 Aug 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.2%Valuation edge · as of 8 Sept 2026
zoopla_valuationsrent estimate 1000/mo (range 950-1050)Rental economics · as of 11 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 12 Sept 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 1000/mo (range 950-1050)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £162,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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£188,000

Rent Estimate (pcm)£1,000

Gross Yield3.81%

1y Growth-

3y Growth+4.8%

5y Growth+5.2%

10y Growth+4.8%

Last Sold Price£126,000 (2019-12-06)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonLow
MiningUnknown
Landslide2
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2B63 2SL

Approval Rate

-12mo

Development

low

P26/0547
Erection of new boundary wall
Conditions
P26/0489
Single storey side extension and the creation of a new driveway to the side
Conditions
Dudley/P23/1460
Erection of two storey side and rear extension (following partial demolition of
Rejected

View Planning Timeline

Ownership

Corporate Ownership55.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-12-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£29,071

Population Density-

Owner Occupied68%

Age Distribution

0-15 22%16-64 65%65+ 13%

View Area Profile

Schools Nearby

Colley Lane Primary Academy
0.4 mi
Good
Timbertree Academy
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Cradley CofE Primary School
0.4 mi
Outstanding
INNOV4TE Independent School
0.5 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

17 Banners Street
-
£295k
-
43 Banners Street
-
£185k
-
41 Banners Street
-
£205k
-
47 Banners Street
-
£183k
-

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