Flat 1, 17 Spencers Lane, Melling, Liverpool, L31 1HA

UPRN:41224822Detached Property3 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPlanning· 5mo agoRisk· 2y agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

Flat 1, 17 Spencers Lane, Melling, Liverpool, L31 1HA

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£147,000

£118k - £177kLow

Estimate

£147k

Range

£118k – £177k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 69/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (25/100). 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 SourcesPortal 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

25/ 100

Low

Transit & Bike

Transit 8Bike 27

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

asking price missing or outside scoring range
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£1,185

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £1,596
Net cash flow: £481/mo
Cash on cash: 361.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 175.03 - 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£147,000

Rent Estimate (pcm)£700

Gross Yield-

1y Growth-

3y Growth+3.7%

5y Growth+3.1%

10y Growth+4.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1L31 1HA

Approval Rate

-12mo

Development

low

DC/2026/01607
Construction of a single-storey rear extension to the existing dwelling, extending approximately 3.6 metres from the rear elevation, with a pitched roof.
Pending
DC/2026/01365
Dormer extension to the rear and alterations to roof from hip to gable.
Pending
DC/2026/01287
Approval of details reserved by conditions 8 (Remediation strategy), 12 (Unidentified contamination risk assessment), 16 (Remedial verification report) and 30 (Highway works) attached to planning application DC/2024/00549 approved on 14/06/2024.
Pending

View Planning Timeline

Ownership

Corporate Ownership67.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

1 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,335

Population Density3,416 /km²

Owner Occupied86%

Age Distribution

0-15 19%16-64 62%65+ 19%

View Area Profile

Schools Nearby

Melling Primary School
0.5 mi
Good
Westvale Primary School
0.5 mi
Report card2025
Ofsted no longer awards a single overall grade.
Holy Rosary Catholic Primary School
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Michael and All Angels Catholic Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

31 Spencers Lane
-
£305k
-
53 Spencers Lane
-
£170k
-
51 Spencers Lane
-
£230k
-
31 Spencers Lane
-
£296k
-

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