32 St James's Road, Huddersfield, HD1 4QA

UPRN:83034189TerracedBeds -Built before 1900

LeaseholdCouncil Tax: -EPC: C (72)

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

32 St James's Road, Huddersfield, HD1 4QA

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£215,000

£172k - £257kLow

Estimate

£215k

Range

£172k – £257k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

7.59%

Verdict

Derived from HomePortfolio scores

32 St James's Road earns an INVESTIGATE rating with HP Score 72/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (74/100). 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)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

72/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

32/ 100

Moderate

Walkability

74/ 100

High

Transit & Bike

Transit 54Bike 26

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics20.7/40
gross yield 7.6%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1550/mo (range 1450-1600)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -24/mo, -2% 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 28 Oct 2026
Risk & liquidity9.3/15
136 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£245,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £77,200
Net cash flow: £246/mo
Cash on cash: 3.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.87 - 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_snapshotsrent estimate 1550/mo (range 1450-1600)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1550/mo (range 1450-1600)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£215,000

Rent Estimate (pcm)£1,550

Gross Yield7.59%

1y Growth+1.7%

3y Growth+4.1%

5y Growth+3.3%

10y Growth+4.3%

Last Sold Price£56,000 (2001-08-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HD1 4QA

Approval Rate

-12mo

Development

low

2026/93033
Dead or Dangerous Tree to TPO 03/79
Approved
2026/92995
Non material amendment to previous permission 2024/93158 for erection of two storey side and rear extensions, front and rear dormers and creation of raised patio to rear including associated works
Pending
2026/92957
Erection of side dormer and raising of roof height with associated alterations (retrospective)
Pending

View Planning Timeline

Ownership

Corporate Ownership40.2%
Overseas OwnershipNo
Lease Term Remaining886 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2001-08-23
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,238

Population Density-

Owner Occupied58%

Age Distribution

0-15 16%16-64 66%65+ 18%

View Area Profile

Schools Nearby

Huddersfield Grammar School
0.3 mi
Inspected by ISI
Paddock Junior Infant and Nursery School
0.5 mi
-
Barraclough Hall School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Patrick's Catholic Primary Academy
0.5 mi
Good

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

63 St James Road
-
£150k
-
27 St James Road
-
£145k
-
21 St James Road
-
£165k
-
42 St James Road
-
£202k
-

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