Apartment 1, 63 Water Street, Birmingham, B3 1HN

UPRN:10094975563Flat/Maisonette bedsBuilt 2022

-Council Tax: -EPC: C (80)AI-Powered Intelligence

Data freshness:Listing· freshPlanning· 1mo agoEPC· 3mo agoRisk· 2mo agoConnectivity· 2mo agoSchools· 2mo agoAmenities· 2mo agoArea· Census 2021

Apartment 1, 63 Water Street, Birmingham, B3 1HN

HP Score

/ 100

High Potential

Verdict

yesterday

BUY
Strong overall fundamentals
INVESTIGATE
Some risks
AVOID
High risk factors

Confidence

High

Sale Estimate

£609,000

£487k - £731kLow

Estimate

£609k

Range

£487k – £731k

Rent Estimate (pcm)

£3,000

£3k - £3kMedium

Monthly

£3,000

Yield

7.69%

AI Verdict

Derived from HomePortfolio scores

AI summary

Apartment 1 earns a BUY rating with HP Score 80/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (98/100). Flood risk is rated very low. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR LeasesHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

80/ 100

High

Investment Score

64/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

98/ 100

Excellent

Transit & Bike

Excellent

Real Data

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 (measured MdAPE 25.8%))

What we could establish

Rental economics23.2/30
gross yield 7.6%; range width penalty ×0.90
- zoopla_valuationsrent estimate 3000/mo (range 2750-3200)· as of 11 Aug 2026· verify before relying on this
Seller motivation0/20
0 price cut(s), 3 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 18 Aug 2026
Risk & liquidity6.2/10
54 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£475,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,750-£3,200

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: £474/mo
Cash on cash: 3.6%
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

zoopla_valuationsrent estimate 3000/mo (range 2750-3200)Rental economics · as of 11 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 18 Aug 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 (measured MdAPE 25.8%)
Rental economics needs verification before you rely on it
rent estimate 3000/mo (range 2750-3200)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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 (measured MdAPE 25.8%)
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£609,000

Rent Estimate (pcm)£3,000

Gross Yield7.69%

1y Growth-

3y Growth-13.1%

5y Growth-6.3%

10y Growth-0.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonLow
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0B3 1HN

Approval Rate

-12mo

Development

low

2026/03593/PA
Application to determine details for conditions 1 (method statement) and 2 (materials) attached to listed building consent 2026/00301/PA
Approved
2026/02997/PA
Display of no.5 projecting signs and no.4 parasols
Pending
2026/02702/PA
Application for a proposed Lawful Development Certificate for the proposed use of the site within Use Class E (Commercial, Business and Service).
Approved

View Planning Timeline

Ownership

Corporate Ownership15.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£33,374

Population Density-

Owner Occupied17%

Age Distribution

0-15 2%16-64 97%65+ 1%

View Area Profile

Schools Nearby

University College Birmingham
0.3 mi
-
Oakbridge School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St George's Church of England Academy, Newtown
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Jewellery Quarter Academy
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

2 of 7 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

Viceroy House, 65 Water Street
-
£850k
-
63 Water Street
-
£555k
-
63 Water Street
-
£765k
-
63 Water Street
-
£565k
-

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