28 Emmanuel Terrace, Huddersfield, HD4 6HS

UPRN:83041437Terrace Property1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: C (75)

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

28 Emmanuel Terrace, Huddersfield, HD4 6HS

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£88,000

£70k - £106kLow

Estimate

£88k

Range

£70k – £106k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

9.93%

Verdict

Derived from HomePortfolio scores

28 Emmanuel Terrace earns an INVESTIGATE rating with HP Score 70/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (72/100). 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

70/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

34/ 100

Moderate

Walkability

72/ 100

High

Transit & Bike

Transit 48Bike 25

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 economics36.1/40
gross yield 9.5% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 575/mo (tenanted)· as of 2 Nov 2026
Stress margin0/30
stressed cash flow -13/mo, -2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Risk & liquidity9.1/15
275 sales/12mo in area; valuation range width 41%
- 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£72,500

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £23,050
Net cash flow: £171/mo
Cash on cash: 8.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.45 - 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

listing_factscontractual rent 575/mo (tenanted)Rental economics · as of 2 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 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
Stress margin needs verification before you rely on it
costs not disclosed by the advert

Plan

Before you offer

1. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£88,000

Rent Estimate (pcm)£600

Gross Yield9.93%

1y Growth-

3y Growth-3.3%

5y Growth+2.1%

10y Growth+3.1%

Last Sold Price£56,000 (2008-02-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0HD4 6HS

Approval Rate

-12mo

Development

low

2026/93004
The proposal is for erection of single storey rear extension. The extension projects 5.9m beyond the rear wall of the original dwellinghouse. The maximum height of the extension is 4m, the height of the eaves of the extension is 3m
Pending
2026/92918
Listed Building Consent for installation of trunking for fire detection
Pending
2026/92790
Erection of retaining wall, raising of ground level and widening of driveway
Pending

View Planning Timeline

Ownership

Corporate Ownership61.8%
Overseas OwnershipNo
Lease Term Remaining859 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2008-02-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,238

Population Density1,186 /km²

Owner Occupied52%

Age Distribution

0-15 13%16-64 67%65+ 20%

View Area Profile

Schools Nearby

Mount Pleasant Primary School
0.4 mi
Good
Beaumont Primary Academy
0.5 mi
-
Newsome Academy
0.5 mi
Good
Newsome Junior Academy
0.5 mi
Inspected as Newsome Junior School (URN 107630) on 17 Oct 2023

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

6 Emmanuel Terrace
-
£75k
-
18 Emmanuel Terrace
-
£50k
-
4 Emmanuel Terrace
-
£63k
-
22 Emmanuel Terrace
-
£65k
-

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