41 Torbay Road, Manchester, M21 8XE

UPRN:77084464Semi-Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band DEPC: -

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

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£848,000

£806k - £890kHigh

Estimate

£848k

Range

£806k – £890k

Rent Estimate (pcm)

£3,550

£3k - £4k

Monthly

£3,550

Yield

5.36%

Verdict

Derived from HomePortfolio scores

41 Torbay 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 SourcesPortal 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 58Bike 63

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +6.2% (HIGH)] → 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 9 Oct 2026
- valuation_snapshotsestimate for 77084464· as of 9 Oct 2026
Rental economics2.4/40
gross yield 5.4%; range width penalty ×0.83
- valuation_snapshotsrent estimate 3550/mo (range 3250-3900)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -875/mo, -25% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 35 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 4 Nov 2026
Risk & liquidity14.7/15
293 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

£596,000£914,000

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£795,000

At the asking price

Monthly rent£3,550/mo

Evidenced range £3,250-£3,900

Interest rate5.4%

Loan to value75%

Cash required: £269,550
Net cash flow: -£225/mo
Cash on cash: -1.0%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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 77084464Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3550/mo (range 3250-3900)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3550/mo (range 3250-3900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 35 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£848,000

Rent Estimate (pcm)£3,550

Gross Yield5.36%

1y Growth-

3y Growth+2.3%

5y Growth+4.8%

10y Growth+5.3%

Last Sold Price£294,000 (2005-01-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1M21 8XE

Approval Rate

100%12mo

Development

low

NOT-2026-002088
Proposed felling of (T1) Silver Birch.
Pending
PLA-2026-001990
Erection of rear extension and rear terrace.
Pending
PLA-2026-002008
Application to vary condition no. 2 attached to planning permission 136691/FH/2023 (Erection of a 2 storey side extension and a part single/part 2 storey rear extension to form additional living accommodation), description as amended by OTH-2026-001255, in order to amend the design and scale of the proposed extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership45%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-01-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density5,502 /km²

Owner Occupied71%

Age Distribution

0-15 16%16-64 73%65+ 11%

View Area Profile

Schools Nearby

Manchester Islamic Grammar School for Girls
0.3 mi
Inspected by ISI
Chorlton High School
0.4 mi
Report card2025
Ofsted no longer awards a single overall grade.
Chorlton Park Primary
0.4 mi
Good
Chorlton CofE Primary School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the 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

19 Torbay Road
-
£585k
-
33 Torbay Road
-
£725k
-
37 Torbay Road
-
£526k
-
3 Torbay Road
-
£690k
-

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