Apartment 12, The Lofts, 21 Water Street, Huddersfield, HD1 4BX

UPRN:83190337Flat/Maisonette2 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: D (67)

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

Apartment 12, The Lofts, 21 Water Street, Huddersfield, HD1 4BX

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£75,000

£71k - £79kHigh

Estimate

£75k

Range

£71k – £79k

Rent Estimate (pcm)

£350

£300 - £400

Monthly

£350

Yield

5.25%

Verdict

Derived from HomePortfolio scores

Apartment 12 earns an INVESTIGATE rating with HP Score 55/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (89/100). 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

55/ 100

Mixed

Investment Score

59/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

89/ 100

Excellent

Transit & Bike

Transit 100Bike 50

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -6.6% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 83190337· as of 9 Oct 2026
Rental economics1.3/40
gross yield 5.3%; range width penalty ×0.63
- valuation_snapshotsrent estimate 350/mo (range 300-400)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -210/mo, -60% 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 30 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 385 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 30 Oct 2026
Risk & liquidity14.5/15
136 sales/12mo in area; valuation range width 11%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£60,000£92,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£79,950

At the asking price

Monthly rent£350/mo

Evidenced range £300-£400

Interest rate5.4%

Loan to value75%

Cash required: £25,286
Net cash flow: -£28/mo
Cash on cash: -1.3%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.30 - 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_snapshotsestimate for 83190337Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 350/mo (range 300-400)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 350/mo (range 300-400)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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. 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£75,000

Rent Estimate (pcm)£350

Gross Yield5.25%

1y Growth-

3y Growth+4.1%

5y Growth+3.3%

10y Growth+4.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HD1 4BX

Approval Rate

-12mo

Development

low

2026/92983
Reserved Matters application pursuant to (phase 3) outline permission 2021/91544 for erection of health and research innovation campus comprising: class F1(a)-education; class E(e)-medical/health services; class E(g)(i)-offices; class E(g)(ii)-research/development of products/processes; multi storey car park; class E(a)-display/retail of goods; class E(b)-sale of food/drink; Class E(d)-indoor sport/recreation/fitness and discharge of outline conditions 5 (masterplan), 9 (internal access per phase), 19 (BEMP per phase)
Pending
2026/92960
Change of use of ground floor from student accommodation (Sui Generis) to hotel (C1)
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 Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,238

Population Density-

Owner Occupied26%

Age Distribution

0-15 16%16-64 72%65+ 12%

View Area Profile

Schools Nearby

Spring Grove Junior Infant and Nursery School
0.1 mi
Inspected as Spring Grove Junior Infant and Nursery School (URN 107617) on 1 Jul 2025
Greenhead College
0.2 mi
-
ES Independent School Kirklees
0.2 mi
Good
Kirklees College
0.3 mi
-

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

View All Schools

Comparables

View All

The Lofts, 21 Water Street
-
£71k
-
The Lofts, 21 Water Street
-
£77k
-
The Lofts, 21 Water Street
-
£58k
-
The Lofts, 21 Water Street
-
£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