10 Essex Avenue, Manchester, M20 6AN

UPRN:77105571Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band DEPC: D (68)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£633,000

£569k - £696kMedium

Estimate

£633k

Range

£569k – £696k

Rent Estimate (pcm)

£4,150

£4k - £4k

Monthly

£4,150

Yield

4.15%

Verdict

Derived from HomePortfolio scores

10 Essex Avenue earns an INVESTIGATE rating with HP Score 73/100. Investment score 57/100 reflects moderate fundamentals. Walkability is good (72/100). 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

73/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

No data

Walkability

72/ 100

High

Transit & Bike

Transit 51Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge-0.6/15
claims [AVM -89.6% (MEDIUM), sold-comps -82.1%, £/sqft -82.1%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 77105571· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.4%· as of 4 Nov 2026
Rental economics0/40
gross yield 4.2%; range width penalty ×0.98
- valuation_snapshotsrent estimate 4150/mo (range 3900-4350)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,142/mo, -52% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 118 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 30 Oct 2026
Risk & liquidity12.8/15
533 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

£900,000£1,380,000

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£1,200,000

At the asking price

Monthly rent£4,150/mo

Evidenced range £3,900-£4,350

Interest rate5.4%

Loan to value75%

Cash required: £425,050
Net cash flow: -£1,177/mo
Cash on cash: -3.3%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - 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 77105571Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.4%Valuation edge · as of 4 Nov 2026
valuation_snapshotsrent estimate 4150/mo (range 3900-4350)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 4150/mo (range 3900-4350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 118 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. 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£633,000

Rent Estimate (pcm)£4,150

Gross Yield4.15%

1y Growth+61.1%

3y Growth+2.6%

5y Growth+3.0%

10y Growth+4.8%

Last Sold Price£87,950 (1999-02-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M20 6AN

Approval Rate

-12mo

Development

low

PLA-2026-000452
Erection of side extension and installation of rear dormer, alterations to vehicular access in association with the change of use to form 4no. self contained apartments.
Pending
PLA-2026-001973
Use of property as a house in multiple occupation (Use Class C4).
Pending
OTH-2026-002074
Discharge of Conditions 3 (Materials) and 4 (Cycle Storage) attached to planning permission 145494/FO/2026
Pending

View Planning Timeline

Ownership

Corporate Ownership50.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1999-02-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

20 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density4,757 /km²

Owner Occupied62%

Age Distribution

0-15 16%16-64 67%65+ 17%

View Area Profile

Schools Nearby

Beaver Road Primary School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
West Didsbury CE Primary School
0.4 mi
Good
Didsbury CofE Primary School
0.5 mi
Good
St Catherine's RC Primary School
0.5 mi
Good

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Essex Avenue
-
£1.25M
-
18 Essex Avenue
-
£870k
-
Essex Lodge, 2C Essex Avenue
-
£540k
-
5 Essex Avenue
-
£400k
-

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