56 Talbot Street, Birmingham, B18 5DG

UPRN:100070531228Purpose Built Flat1 bedsBuilt -

LeaseholdCouncil Tax: -EPC: F (34)AI-Powered Intelligence

Data freshness:Listing· freshPrice Paid· 2mo agoPlanning· 3mo agoEPC· 2mo agoRisk· freshCrime· freshConnectivity· freshSchools· 1mo agoAmenities· freshArea· Census 2021

HP Score

/ 100

Strong

Verdict

yesterday

BUY
Strong fundamentals
INVESTIGATE
Mixed signals - investigate
AVOID
High risk factors

Confidence

Medium

Sale Estimate

£79,000

£75k - £83kHigh

Estimate

£79k

Range

£75k – £83k

Rent Estimate (pcm)

£450

£400 - £450Medium

Monthly

£450

Yield

8.00%

AI Verdict

Derived from HomePortfolio scores

AI summary

56 Talbot Street earns a INVESTIGATE rating with HP Score 66/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (76/100). Flood risk is rated very low. Tenure is leasehold. 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

66/ 100

Moderate

Investment Score

59/ 100

Moderate

Crime Score

51/ 100

Elevated

Walkability

76/ 100

High

Transit & Bike

High

Real Data

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 30 Sept 2026

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

Valuation edge0/40
claims [AVM -32.9% (HIGH), sold-comps +3.7%, £/sqft +3.4%] → consensus -32.9% → credited 0.0% after backtest shrinkage; sources disagree - edge zeroed by the weaker claim
- zoopla_valuationsestimate for 100070531228· as of 11 Aug 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.2%· as of 10 Sept 2026
Rental economics16.9/30
gross yield 6.7% on contractual rent (listing-disclosed tenancy); contractual 725/mo far above the 450/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 725/mo (tenanted)· as of 30 Sept 2026· verify before relying on this
Seller motivation10/20
0 price cut(s), 87 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 30 Sept 2026
Risk & liquidity9.7/10
98 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 sensitivity

£79,000£120,500

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£105,000

At the asking price

Monthly rent£450/mo

Evidenced range £400-£450

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: -£43/mo
Cash on cash: -1.6%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.27 - 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 100070531228Valuation edge · as of 11 Aug 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.2%Valuation edge · as of 10 Sept 2026
listing_factscontractual rent 725/mo (tenanted)Rental economics · as of 30 Sept 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 30 Sept 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 needs verification before you rely on it
contractual rent 725/mo (tenanted)

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. 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£79,000

Rent Estimate (pcm)£450

Gross Yield8.00%

1y Growth-

3y Growth-1.5%

5y Growth+1.8%

10y Growth-0.9%

Last Sold Price£52,000 (2016-09-28)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonLow
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B18 5DG

Approval Rate

-12mo

Development

low

2026/05590/PA
Application to determine the details for condition numbers 20. (vehicle charging points) 31. (boundary treatment details) 33. (lighting scheme) 34. (sample materials) 35. (level details) 40. (refuse storage) 41. (parking) 43. (cycle storage) and 46. (pedestrian and cycle route details).
Pending
2026/05434/PA
Erection of a single story side extension
Rejected
2026/05055/PA
Extension of existing opening hours to midnight on Friday and Saturday to Unit R06
Pending

View Planning Timeline