3 Lincoln Street, Manchester, M13 0WS

UPRN:77151268Mid Terrace House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (58)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£265,000

£252k - £279kHigh

Estimate

£265k

Range

£252k – £279k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

7.92%

Verdict

Derived from HomePortfolio scores

3 Lincoln Street earns an INVESTIGATE rating with HP Score 74/100. Investment score 57/100 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 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

74/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

No data

Walkability

88/ 100

Excellent

Transit & Bike

Transit 41Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 2 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2/15
claims [AVM +5.7% (HIGH), sold-comps +2.4%, £/sqft +2.4%] → measured edge +0.39pp 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 77151268· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 18.5%· as of 31 Oct 2026
Rental economics22.4/40
gross yield 7.9%; range width penalty ×0.96
- valuation_snapshotsrent estimate 1650/mo (range 1550-1750)· as of 12 Oct 2026· verify before relying on this
Stress margin1.7/30
stressed cash flow +28/mo, +2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 137 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 2 Nov 2026
Risk & liquidity14.6/15
70 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 sensitivityScores 70+ up to £193,500

£187,500£287,500

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£249,950

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £78,785
Net cash flow: £299/mo
Cash on cash: 4.6%
Score at this price: 41

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.96 - 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 77151268Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 18.5%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1550-1750)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 1650/mo (range 1550-1750)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 137 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 →flood, subsidence, crime, environment - the full domain

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.
2 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £193,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£265,000

Rent Estimate (pcm)£1,650

Gross Yield7.92%

1y Growth-

3y Growth-5.2%

5y Growth+1.6%

10y Growth+5.8%

Last Sold Price£38,000 (1996-02-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0M13 0WS

Approval Rate

-12mo

Development

low

OTH-2026-002057
Discharge of Conditions 1 (Materials), 4 (Windows), 6 (Drainage Verification), 7 (Roller Shutters), 10 (Waste Management), 11 (Air Quality Assessment), 14 (Travel Plan), 15 (EV Chargers), 16 (External Lighting), 18 (Acoustic Insulation), 19 (External Equipment), 20 (Environmental Statement), 21 (Ground Conditions), 23 (Biodiversity), 24 (Landscaping and Tree Replacement), 25 (Boundary Treatment), 26 (Security), 27 (Off site highway works), and 32 (Car Park Management Plan) attached to Planning Permission 142669/FO/2025.
Pending
OTH-2026-001682
Discharge of Condition 8 (Contaminated Land) attached to planning permission 138527/FO/2023
Pending
PLA-2026-001971
Retrospective application for the replacement and repositioning of rear windows and doors and alterations to the rear and side boundary wall.
Pending

View Planning Timeline

Ownership

Corporate Ownership59.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1996-02-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density12,605 /km²

Owner Occupied51%

Age Distribution

0-15 24%16-64 69%65+ 7%

View Area Profile

Schools Nearby

St John's CofE Primary School
0.1 mi
Good
St Agnes C of E Primary School
0.2 mi
Good
Stanley Grove Primary Academy
0.3 mi
Inspected as Stanley Grove Community Primary School (URN 131543) on 13 Jul 2011
St Joseph's RC Primary School Manchester
0.3 mi
-

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

View All Schools

Comparables

View All

15 Lincoln Street
-
£185k
-
13 Lincoln Street
-
£95k
-
16 Lincoln Street
-
£105k
-
7 Lincoln Street
-
£140k
-

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