25 Cross Lane, Stocksmoor, Huddersfield, HD4 6XH

UPRN:83091723-Beds -Built 1967-1975

Tenure: -Council Tax: Band EEPC: D (59)

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

25 Cross Lane, Stocksmoor, Huddersfield, HD4 6XH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£753,000

£603k - £904kLow

Estimate

£753k

Range

£603k – £904k

Rent Estimate (pcm)

£4,300

£4k - £5k

Monthly

£4,300

Yield

9.38%

Verdict

Derived from HomePortfolio scores

25 Cross Lane earns an INVESTIGATE rating with HP Score 66/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (18/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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

66/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

18/ 100

Low

Transit & Bike

Transit 17Bike 7

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 economics32.3/40
gross yield 9.4%; range width penalty ×0.92; the estimate this rent rides on sits 27% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 4300/mo (range 4000-4600)· as of 12 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin16.5/30
stressed cash flow +710/mo, +17% 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
Risk & liquidity9.2/15
275 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£549,950

At the asking price

Monthly rent£4,300/mo

Evidenced range £4,000-£4,600

Interest rate5.4%

Loan to value75%

Cash required: £183,783
Net cash flow: £1,121/mo
Cash on cash: 7.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.32 - 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 4300/mo (range 4000-4600)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 27% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_date

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 4300/mo (range 4000-4600)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£753,000

Rent Estimate (pcm)£4,300

Gross Yield9.38%

1y Growth-

3y Growth-3.3%

5y Growth+2.1%

10y Growth+3.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HD4 6XH

Approval Rate

-12mo

Development

low

2026/92770
Discharge of details reserved by conditions 5 (Noise Management Plan), 7 (Phase II Intrusive Site Investigation Report), 11 (parking), 12 (retaining walls), 13 (structural dilapidation survey), 14 (CEMP: Biodiversity) on previous permission 2026/90049 for demolition of existing marquee building and erection of extensions to form new events building with ancillary drinks bar, WC's, storage and reception area (within a Conservation Area)
Pending
2026/92523
Permission in principle for erection of one dwelling
Pending
2026/92046
Work to trees TPO 27/93
Approved

View Planning Timeline

Ownership

Corporate Ownership61.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£30,238

Population Density195 /km²

Owner Occupied85%

Age Distribution

0-15 14%16-64 68%65+ 18%

View Area Profile

Schools Nearby

Thurstonland Endowed Voluntary Controlled First School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Shepley First School
1.1 mi
GoodConcerns
Shelley First School
1.3 mi
Good
Farnley Tyas Church of England Voluntary Controlled First School
1.5 mi
Good

2 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

18 Cross Lane
-
£325k
-
16 Cross Lane
-
£560k
-
28A Cross Lane
-
£220k
-
29A Cross Lane
-
£540k
-

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