11 Victoria Terrace, Horbury, Wakefield, WF4 5PQ

UPRN:63117830Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (58)

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

11 Victoria Terrace, Horbury, Wakefield, WF4 5PQ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£128,000

£115k - £141kMedium

Estimate

£128k

Range

£115k – £141k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

8.16%

Verdict

Derived from HomePortfolio scores

11 Victoria Terrace earns an INVESTIGATE rating with HP Score 72/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (42/100). 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)Defra 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

42/ 100

Mixed

Transit & Bike

Transit 20Bike 16

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 5 Nov 2026

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

Valuation edge2.5/15
claims [AVM +2.3% (MEDIUM), sold-comps +27.3%, £/sqft +27.5%] → 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 (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 63117830· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.6%· as of 28 Oct 2026
Rental economics24.4/40
gross yield 8.2%; range width penalty ×0.96
- valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -33/mo, -4% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 31 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 5 Nov 2026
Risk & liquidity12.8/15
423 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

£94,000£144,000

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£125,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: £167/mo
Cash on cash: 5.2%
Score at this price: 40

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.01 - 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 63117830Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.6%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 800-900)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 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
rent estimate 850/mo (range 800-900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 31 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. 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.
3. 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£128,000

Rent Estimate (pcm)£850

Gross Yield8.16%

1y Growth-

3y Growth+3.2%

5y Growth+3.3%

10y Growth+3.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0WF4 5PQ

Approval Rate

-12mo

Development

low

26/01860/FUL
Redesign of existing roof including raising of ridge and eaves to enable first floor extension above existing bungalow and dormers to front and rear. Demolition of existing attached garage and fenestration alterations. Proposed two storey extension to front and side, basement extension to rear with terrace above, detached garage and driveway landscaping to front. Application of render.
Pending
26/01761/CPE
Confirmation that planning permission 23/01603/FUL for the erection of detached dwelling and garage with associated engineering works, landscaping, terraces and balcony has been lawfully implemented.
Pending
26/01758/CPE
Confirmation that planning permission 23/01585/FUL for Erection of detached dwelling and garage with associated engineering works, landscaping, terraces and balcony has been lawfully implemented
Pending

View Planning Timeline

Ownership

Corporate Ownership74%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,954

Population Density1,908 /km²

Owner Occupied72%

Age Distribution

0-15 16%16-64 63%65+ 21%

View Area Profile

Schools Nearby

Horbury Bridge Church of England Junior and Infant Academy
0.1 mi
Good
St Ignatius Catholic Primary School
0.7 mi
Inspected as St Ignatius Catholic Primary School (URN 108264) on 20 Oct 2010
Ossett Academy and Sixth Form College
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Sitlington Netherton Junior and Infant School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

13 Victoria Terrace
-
£109k
-
5 Victoria Terrace
-
£96k
-
13 Victoria Terrace
-
£63k
-
7 Victoria Terrace
-
£98k
-

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