45 St Margarets Road, Manchester, M40 0JF

UPRN:77191666Semi-Detached House3 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band AEPC: C (70)

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

45 St Margarets Road, Manchester, M40 0JF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£215,000

£204k - £225kHigh

Estimate

£215k

Range

£204k – £225k

Rent Estimate (pcm)

£1,550

£2k - £2k

Monthly

£1,550

Yield

8.86%

Verdict

Derived from HomePortfolio scores

45 St Margarets Road earns an INVESTIGATE rating with HP Score 66/100. Investment score 53/100 reflects moderate fundamentals. Walkability is limited (62/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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)Defra 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

66/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

No data

Walkability

62/ 100

Moderate

Transit & Bike

Transit 49Bike 44

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£210,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,500-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: £364/mo
Cash on cash: 6.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.19 - clears 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£215,000

Rent Estimate (pcm)£1,550

Gross Yield8.86%

1y Growth-

3y Growth+3.0%

5y Growth+5.2%

10y Growth+7.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M40 0JF

Approval Rate

-12mo

Development

low

OTH-2026-002054
Discharge of Condition 10a and 10b (Contaminated Land) and Condition 14a (External Plant) attached to Planning Permission 143085/FO/2025.
Pending
CND/356966/26
Discharge of condition no. 6 (Drainage) relating to app no. FUL/354904/25.
Pending
PLA-2026-001852
Conversion of the existing integral garage to habitable accommodation to provide a living room and kitchen, including the replacement of the garage door with a window and matching brickwork to the front elevation.
Pending

View Planning Timeline

Ownership

Corporate Ownership59.1%
Overseas OwnershipNo
Lease Term Remaining878 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,067

Population Density-

Owner Occupied42%

Age Distribution

0-15 25%16-64 65%65+ 10%

View Area Profile

Schools Nearby

St Margaret Mary's RC Primary School, a Voluntary Academy
0.1 mi
Inspected as St Margaret Mary's RC Primary School Manchester (URN 105533) on 10 Apr 2024
St Matthew's RC High School
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Whitegate End Primary and Nursery School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Co-op Academy North Manchester
0.6 mi
Good

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

51 St Margarets Road
-
£210k
-
15 St Margarets Road
-
£236k
-
19 St Margarets Road
-
£230k
-
5 St Margarets Road
-
£190k
-

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