92 Oswald Road, Chorlton cum Hardy, Manchester, M21 9GB

UPRN:77078128End Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (60)

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

92 Oswald Road, Chorlton cum Hardy, Manchester, M21 9GB

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£360,000

£342k - £378kHigh

Estimate

£360k

Range

£342k – £378k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

5.04%

Verdict

Derived from HomePortfolio scores

92 Oswald Road earns an INVESTIGATE rating with HP Score 80/100. Investment score 61/100 reflects moderate fundamentals. Walkability is excellent (88/100). 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

No data

Walkability

88/ 100

Excellent

Transit & Bike

Transit 43Bike 66

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£345,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,350-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £112,050
Net cash flow: -£161/mo
Cash on cash: -1.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.25 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£360,000

Rent Estimate (pcm)£1,450

Gross Yield5.04%

1y Growth+39.6%

3y Growth+2.3%

5y Growth+4.8%

10y Growth+5.3%

Last Sold Price£187,500 (2014-04-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M21 9GB

Approval Rate

-12mo

Development

low

120284/CND/26
Application for approval of details reserved by conditions of grant of planning permission 118034/FUL/25. Condition numbers: 6 (CEMP), 8 (contractor details), 11 (windows & doors), 13 (roof & floors) and 18 (entrance & embankment).
Pending
PLA-2026-001990
Erection of rear extension and rear terrace.
Pending
120275/FUL/26
Erection of a single-storey commercial unit (Use Class B8, E(c) or E(g)) with associated parking and landscaping.
Pending

View Planning Timeline

Ownership

Corporate Ownership45%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-04-23
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£30,067

Population Density-

Owner Occupied67%

Age Distribution

0-15 16%16-64 71%65+ 13%

View Area Profile

Schools Nearby

St John's RC Primary School, a Voluntary Academy
0.1 mi
Inspected as St John's RC Primary School (URN 105546) on 8 Oct 2019
Oswald Road Primary School
0.1 mi
Good
St Hilda's CofE Primary School
0.3 mi
Good
Manchester Islamic Grammar School for Girls
0.4 mi
Inspected by ISI

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

View All Schools

Comparables

View All

76 Oswald Road
-
£335k
-
78 Oswald Road
-
£240k
-
90 Oswald Road
-
£323k
-
92 Oswald Road
-
£188k
-

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