15 Lockhart Close, Manchester, M12 4JY

UPRN:77166884End Terrace House1 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band AEPC: C (73)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£179,000

£170k - £188kHigh

Estimate

£179k

Range

£170k – £188k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

7.88%

Verdict

Derived from HomePortfolio scores

15 Lockhart Close earns an INVESTIGATE rating with HP Score 71/100. Investment score 61/100 reflects moderate fundamentals. Walkability is good (71/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

No data

Walkability

71/ 100

High

Transit & Bike

Transit 51Bike 37

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 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 +6.4% (HIGH), sold-comps -36.2%, £/sqft -36.3%] → 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 77166884· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 23.6%· as of 18 Oct 2026
Rental economics23/40
gross yield 7.9%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1100/mo (range 1050-1150)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -28/mo, -3% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 3 price cut(s), 113 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
77 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

£125,500£192,500

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£167,500

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £52,400
Net cash flow: £196/mo
Cash on cash: 4.5%
Score at this price: 38

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.95 - 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 77166884Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 23.6%Valuation edge · as of 18 Oct 2026
valuation_snapshotsrent estimate 1100/mo (range 1050-1150)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

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 1100/mo (range 1050-1150)
Seller motivation could not be scored
context, not scored: 3 price cut(s), 113 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. Ask the agent why the price was reduced and whether a previous sale fell through.
3 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£179,000

Rent Estimate (pcm)£1,100

Gross Yield7.88%

1y Growth-

3y Growth+2.5%

5y Growth+5.0%

10y Growth+4.4%

Last Sold Price£130,000 (2022-08-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M12 4JY

Approval Rate

-12mo

Development

low

PLA-2026-001490
Erection of single storey side extension and part two storey rear extension.
Pending
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

View Planning Timeline

Ownership

Corporate Ownership43.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-08-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density2,165 /km²

Owner Occupied38%

Age Distribution

0-15 26%16-64 64%65+ 10%

View Area Profile

Schools Nearby

St Peter's RC High School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Co-op Academy Belle Vue
0.2 mi
Outstanding
Rodney House School
0.3 mi
Outstanding
All Saints Primary School
0.3 mi
GoodConcerns

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

View All Schools

Comparables

View All

13 Lockhart Close
-
£160k
-
12 Lockhart Close
-
£162k
-
13 Lockhart Close
-
£142k
-
15 Lockhart Close
-
£130k
-

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