8 Gardenhurst, 45 Cardigan Road, Leeds, LS6 1WD

UPRN:72514596Purpose Built Flat2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: -EPC: C (69)

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

8 Gardenhurst, 45 Cardigan Road, Leeds, LS6 1WD

HP Score

/ 100

Strong

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£194,000

£184k - £204kHigh

Estimate

£194k

Range

£184k – £204k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

4.80%

Verdict

Derived from HomePortfolio scores

8 Gardenhurst earns an INVESTIGATE rating with HP Score 86/100. Investment score 77/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (89/100). 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

86/ 100

Strong

Investment Score

77/ 100

High

Crime Score

14/ 100

Low

Walkability

89/ 100

Excellent

Transit & Bike

Transit 36Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 Nov 2026

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

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 edge0/15
claims [AVM +9.8% (HIGH), sold-comps -2.3%, £/sqft -2.6%] → 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 72514596· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.4%· as of 21 Oct 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.91
- valuation_snapshotsrent estimate 700/mo (range 650-750)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -354/mo, -51% 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 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 72 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 3 Nov 2026
Risk & liquidity14.6/15
302 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

£131,000£201,000

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£175,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £54,800
Net cash flow: -£106/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - below 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 72514596Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 12.4%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 700/mo (range 650-750)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 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 700/mo (range 650-750)
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.
1 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£194,000

Rent Estimate (pcm)£700

Gross Yield4.80%

1y Growth-0.3%

3y Growth+3.9%

5y Growth+2.5%

10y Growth+4.7%

Last Sold Price£166,500 (2022-06-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1LS6 1WD

Approval Rate

-12mo

Development

low

26/06197/TR
T34: To remove the lower epicormic growth. T35: To crown lift over Grove Road to give a 5.5m clearance from ground level and the limb over hanging the driveway. G40, T41 and T43: To remove any significant deadwood within the canopy. G40: To remove the lower epicormic from the sycamore in. T4, T43: To remove sub lateral branches overhanging Grove Road on to create a 5.5m clearance from the ground via recommendations on the tree report. T5: To carry out the work recommended on the tree report and in allowing a 2.5m clearance from the buildings and removing any significant dead wood within the crown. T16, T17: To reduce and shape both trees by approximately 15%. 1. T16 and T17, To reduce and shape both trees by approximately 1.5-2.5m. T 18: To remove the trunk thats almost touching the garage and prune back remaining branches to give a 2m clearance from the garages. T26: To re pollard back to previous points, approximately to a 7m single stem. G37: To reduce 2 Holly by approximately 20%. G37, To reduce the 2 hollys by approximately 2.5-3m.
Pending
26/06074/CLE
Certificate of Existing Lawful Development for Use as a house in multiple occupation
Pending
26/9/00164/MOD
Addition of windows, roof lights and sun tunnels throughout; additional door to lower ground level; ground works to form light wells and sunken terrace at lower ground level - NON MATERIAL AMENDMENT TO 25/06165/FU - Amendment to condition 2 'approved plans' to make the following minor changes to the approved plans: One further light well and new window on the northern elevation. Creating two juliet balconies on the ground floor and first floor rear rooms on the rear southern elevation. No new door is now required to the south but a new door is instead proposed on the north-eastern elevation. Blocking up two small windows on the western elevation at the ground and first floor. Removal of 2 proposed new velux windows on the roof and creating two new top hung velux windows to the second floor roof of the west elevation above the rear staircase due to building regulation requirements.
Pending

View Planning Timeline

Ownership

Corporate Ownership83.6%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-06-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,679

Population Density15,088 /km²

Owner Occupied12%

Age Distribution

0-15 6%16-64 92%65+ 2%

View Area Profile

Schools Nearby

Spring Bank Primary School
0.1 mi
Inspected as Spring Bank Primary School (URN 107890) on 12 Oct 2021
Brudenell Primary School
0.3 mi
Good
Shire Oak VC Primary School
0.4 mi
Good
Ormston School
0.5 mi
Good

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

View All Schools

Comparables

View All

Gardenhurst, 45 Cardigan Road
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£165k
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Gardenhurst, 45 Cardigan Road
-
£185k
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Gardenhurst, 45 Cardigan Road
-
£185k
-
Gardenhurst, 45 Cardigan Road
-
£186k
-

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