Apartment 19, Saint Michaels, Gray Road, Sunderland, SR2 8JU

UPRN:45142686Flat/Maisonette3 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: C (76)

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

Apartment 19, Saint Michaels, Gray Road, Sunderland, SR2 8JU

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£102,000

£97k - £107kHigh

Estimate

£102k

Range

£97k – £107k

Rent Estimate (pcm)

£500

£450 - £550

Monthly

£500

Yield

6.19%

Verdict

Derived from HomePortfolio scores

Apartment 19 earns an INVESTIGATE rating with HP Score 72/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (71/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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

72/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

29/ 100

Moderate

Walkability

71/ 100

High

Transit & Bike

Transit 38Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 31 Oct 2026

Fewer independent sources agree, or a component could not be scored.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +4.9% (HIGH), sold-comps +4.9%, £/sqft +5.1%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 45142686· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.1%· as of 21 Oct 2026
Rental economics24.3/40
gross yield 8.0% on contractual rent (listing-disclosed tenancy); contractual 750/mo far above the 500/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 750/mo (tenanted)· as of 31 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -61/mo, -9% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 31 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 5 price cut(s), 412 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 31 Oct 2026
Risk & liquidity14.7/15
360 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

£73,000£111,500

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£97,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£550

Interest rate5.4%

Loan to value75%

Cash required: £30,400
Net cash flow: £19/mo
Cash on cash: 0.7%
Score at this price: 42

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.53 - 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 45142686Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16.1%Valuation edge · as of 21 Oct 2026
listing_factscontractual rent 750/mo (tenanted)Rental economics · as of 31 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 31 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 31 Oct 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
contractual rent 750/mo (tenanted)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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.
5 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£102,000

Rent Estimate (pcm)£500

Gross Yield6.19%

1y Growth+14.3%

3y Growth+3.5%

5y Growth+0.0%

10y Growth+1.6%

Last Sold Price£124,995 (2005-08-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0SR2 8JU

Approval Rate

-12mo

Development

low

26/02323/TPC
T1 apple- crown reduce by 0.5m and thin by 20 percent T2 cherry - crown reduce by 1.5m
Pending
26/02324/TPC
Works to trees - T1 (weeping willow) - Reduce by 2m back to boundary
Pending
26/02311/DIS
Discharge of condiiton 3 (pre-roof: details / samples of slate) attached to planning application 25/02288/VA4 (Part 1 of 4)
Pending

View Planning Timeline

Ownership

Corporate Ownership71.6%
Overseas OwnershipNo
Lease Term Remaining126 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2005-08-26
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£27,989

Population Density4,230 /km²

Owner Occupied32%

Age Distribution

0-15 17%16-64 64%65+ 19%

View Area Profile

Schools Nearby

Ashbrooke School
0.2 mi
Good
Valley Road Academy
0.4 mi
Good
Southmoor Academy
0.4 mi
Good
St Aidan's Catholic Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

2 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

St. Michaels Gray Road
-
£100k
-
St. Michaels, 10 Gray Road
-
£70k
-
St. Michaels Gray Road
-
£83k
-
St. Michaels Gray Road
-
£74k
-

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