5 Hand Bank Lane, Mirfield, WF14 8EX

UPRN:83111975End Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: C (76)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

15 of 21 sources

Sale Estimate

£171,000

£163k - £180kHigh

Estimate

£171k

Range

£163k – £180k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

7.60%

Verdict

Derived from HomePortfolio scores

5 Hand Bank Lane earns an INVESTIGATE rating with HP Score 65/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (47/100). 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 listingsMarket 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

51/ 100

Elevated

Walkability

47/ 100

Mixed

Transit & Bike

Transit 16Bike 21

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£150,000

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £151/mo
Cash on cash: 3.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.88 - 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£171,000

Rent Estimate (pcm)£950

Gross Yield7.60%

1y Growth+6.9%

3y Growth+2.9%

5y Growth+4.2%

10y Growth+4.1%

Last Sold Price£160,000 (2024-10-24)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0WF14 8EX

Approval Rate

-12mo

Development

low

2026/93029
Certificate of lawfulness fo existing use of self-contained second-floor attic flat as a separate residential dwelling (Use Class C3)
Pending
2026/92991
Erection of two storey rear extension, side extension to form garage block and erection of front porch including alterations to roof and associated works
Pending
2026/92820
Discharge of details reserved by conditions 3 (intrusive investigations), 5 (Phase I Desk Study Report), 6 (Phase II Intrusive Site Investigation Report), 10 (Arboricultural Method Statement) on previous permission 2025/93041 for erection of detached dwelling with associated external works
Pending

View Planning Timeline

Ownership

Corporate Ownership65.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-10-24
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,238

Population Density508 /km²

Owner Occupied63%

Age Distribution

0-15 16%16-64 60%65+ 24%

View Area Profile

Schools Nearby

Hopton Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Crowlees Church of England Voluntary Controlled Junior and Infant School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Castle Hall Academy
1.1 mi
Good
Battyeford CofE (VC) Primary School
1.2 mi
Good

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

View All Schools

Comparables

View All

9 Hand Bank Lane
-
£130k
-
5 Hand Bank Lane
-
£160k
-
9 Hand Bank Lane
-
£140k
-
6 Hand Bank Lane
-
£155k
-

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