54 Murrays Mills, 50 Bengal Street, Manchester, M4 6LR

UPRN:10093688770Converted Flat1 bedsBuilt before 1900

LeaseholdCouncil Tax: Band BEPC: C (69)

Data freshness:Listing· freshPlanning· 5mo agoEPC· 4mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021

54 Murrays Mills, 50 Bengal Street, Manchester, M4 6LR

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£227,000

£204k - £250kMedium

Estimate

£227k

Range

£204k – £250k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

6.75%

Verdict

Derived from HomePortfolio scores

54 Murrays Mills earns an INVESTIGATE rating with HP Score 82/100. Investment score 58/100 reflects moderate fundamentals. Walkability is excellent (96/100). 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

58/ 100

Moderate

Crime Score

No data

Walkability

96/ 100

Excellent

Transit & Bike

Transit 93Bike 54

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 19 Oct 2026

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

Valuation edge0/15
claims [AVM -5.7% (MEDIUM), sold-comps -13.2%, £/sqft -13.2%] → measured edge +0.00pp 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10093688770· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.8%· as of 24 Oct 2026
Rental economics13.7/40
gross yield 6.8%; range width penalty ×0.98
- valuation_snapshotsrent estimate 1350/mo (range 1250-1400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -321/mo, -24% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 19 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 37 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 19 Oct 2026
Risk & liquidity12.8/15
289 sales/12mo in area; valuation range width 20%
- 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

£180,000£276,000

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£240,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: £125/mo
Cash on cash: 2.0%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.67 - 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 10093688770Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.8%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 1350/mo (range 1250-1400)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 19 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 19 Oct 2026

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 1350/mo (range 1250-1400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 37 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£227,000

Rent Estimate (pcm)£1,350

Gross Yield6.75%

1y Growth+33.9%

3y Growth-8.3%

5y Growth-2.6%

10y Growth+3.8%

Last Sold Price£220,000 (2022-06-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3M4 6LR

Approval Rate

100%12mo

Development

low

Manchester/PLA-2026-000953
Creation of retail café and hot food takeaway (Sui Generis) with associated external alterations.
Pending
Manchester/PLA-2026-001969
Listed Building Consent for the repair of towpath voiding/erosion.
Pending
Manchester/OTH-2026-002003
Discharge of Conditions 9 (Surface Water Management) & 11 (Final Design Phase 2 Hoarding) attached to planning permission 144971/VO/2026.
Pending

View Planning Timeline

Ownership

Corporate Ownership12.4%
Overseas OwnershipNo
Lease Term Remaining240 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-06-08
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£30,067

Population Density-

Owner Occupied25%

Age Distribution

0-15 3%16-64 96%65+ 1%

View Area Profile

Schools Nearby

Co-op Academy New Islington
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Patrick's RC Primary School, a Voluntary Academy
0.4 mi
Good
Abbott Community Primary School
0.5 mi
Outstanding
The Cooperative College
0.5 mi
-

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

View All Schools

Comparables

View All

Murrays Mills, 50 Bengal Street
-
£575k
-
Murrays Mills, 50 Bengal Street
-
£350k
-
Murrays Mills, 50 Bengal Street
-
£433k
-
Murrays Mills, 50 Bengal Street
-
£340k
-

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