Recent sale
31 SPENCERS LANE
£305k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Skip to property detailsMonthly AVM sale-value estimate Monthly -6 live signals 25% deposit · IO BTL · Interest Only
4 matches ![Comparable: 31 SPENCERS LANE]()
![Comparable: 53 SPENCERS LANE]()
![Comparable: 51 SPENCERS LANE]()
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3 signals 0 levers
Flat 1, 17 Spencers Lane, Melling, Liverpool, L31 1HA
UPRN:41224822Detached Property3 bedsBuilt -
FreeholdCouncil Tax: -EPC: -AI-Powered Intelligence
Data freshness:Listing· freshListing: fresh, refreshed 4d ago (2026-09-17T04:00:02.382776+00:00)Price Paid· 2mo agoPrice Paid: ageing, refreshed 2mo ago (2026-08-01T00:05:07.844309+00:00)Planning· 4mo agoPlanning: stale, refreshed 4mo ago (2026-05-20T08:19:50.636452+00:00)Risk· 3mo agoRisk: ageing, refreshed 3mo ago (2026-07-04T06:46:22.443816+00:00)Crime· freshCrime: fresh, refreshed 2d ago (2026-09-20T01:24:22.764986+00:00)Connectivity· 3mo agoConnectivity: ageing, refreshed 3mo ago (2026-07-04T20:23:28.637306+00:00)Schools· 3mo agoSchools: ageing, refreshed 3mo ago (2026-07-07T02:37:19.861486+00:00)Amenities· 3mo agoAmenities: ageing, refreshed 3mo ago (2026-07-05T20:05:00.707256+00:00)Area· Census 2021Area: static reference data (Census 2021); authoritative and does not refresh
AI ValuationFairly ValuedUpdated yesterday
£144,000
Estimated value
Range: £115k - £173k|Last sold: -- (-)
Estimate of £144k for detached propertys in Liverpool. 317 transactions in the last 12 months; median £250k.
AI Confidence
-
Low confidence
Value History
Current estimate
£144k
£115k - £173k - Low confidence
Annualised (CAGR)
+2.45%
Over the full window
Peak estimate
£331k
Feb 2026
From peak
-56.50%
Drawdown from peak
AVM estimate (model)Repeat-sales index - L31 district (quarterly)index YoY +3.49%
Growth by window
3m
-8.28%
6m
-56.50%
12m
+6.67%
24m
+8.27%
60m
+22.03%
Rental Market
Estimated rent (pcm)
£700
/ month
Gross yield
5.98%
Net yield
490.12%
Vacancy trend
12-month change
Tenant profile
Market Metrics
Avg Area Price
£250k
3-bed Detached Property
12m Price Growth
-
vs UK avg
Days on Market
59d
Area avg
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£144,000
- SDLT standard£380
- SDLT BTL surcharge (5%)£7,200
- Legal + Survey£15,000
- Refurb (light)£10,080
- Total All-In Cost£176,660
Funding
- Deposit (25%)£36,000
- Mortgage (75% LTV)£108,000
- Interest Rate5.25%
- Mortgage TypeInterest Only
- Cash Required£68,660
Monthly Returns
- Monthly Rent (est)£700
- Mortgage Payment (IO)-£473
- Management (10%)-£70
- Insurance-£89
- Maintenance-£60
- Monthly Cashflow+£8
Capital Returns
- 5yr Property Value£171,440
- 5yr Capital Gain (3.55% pa)+£27,440
- 5yr Cumulative Rent (net)+£28,860
- Less mortgage interest-£28,380
- 5yr Total Return+£27,920
5-Year Projection
| Year | Property Value | Equity | Cashflow (YTD) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £149,112 | £41,112 | +£96 | +£5,208 | 7.6% |
| Year 2 | £154,405 | £46,405 | +£192 | +£10,597 | 15.4% |
| Year 3 | £159,887 | £51,887 | +£288 | +£16,175 | 23.6% |
| Year 4 | £165,563 | £57,563 | +£384 | +£21,947 | 32.0% |
| Year 5 | £171,440 | £63,440 | +£480 | +£27,920 | 40.7% |
Assumes 3.55% pa capital growth (API forecast), 3.0% rental growth, 5.25% IO mortgage held for 5 years, light refurb completed year 0. ROI is on total cash invested (£68,660).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
Recent sale
53 SPENCERS LANE
£170k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Recent sale
51 SPENCERS LANE
£230k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Recent sale
31 SPENCERS LANE
£296k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£27,006
Median Income
Signal
1,289
Population
Signal
1.6 / 100
Deprivation