Flat 2, 10 The Midway, Newcastle under Lyme, ST5 1QG

UPRN:10024255822Flat/Maisonette bedsBuilt -

-Council Tax: -EPC: D (67)AI-Powered Intelligence

Data freshness:Listing· freshPrice Paid· 2mo agoPlanning· 2mo agoEPC· 4mo agoRisk· 3mo agoCrime· freshConnectivity· 3mo agoAmenities· 3mo agoArea· Census 2021

Flat 2, 10 The Midway, Newcastle under Lyme, ST5 1QG

HP Score

/ 100

Mixed

Verdict

today

BUY
Strong fundamentals
INVESTIGATE
Mixed signals - investigate
AVOID
High risk factors

Confidence

Medium

Sale Estimate

£71,000

£57k - £85kLow

Estimate

£71k

Range

£57k – £85k

Rent Estimate (pcm)

£350

£350 - £400Medium

Monthly

£350

Yield

3.18%

AI Verdict

Derived from HomePortfolio scores

AI summary

Flat 2 earns a INVESTIGATE rating with HP Score 58/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (93/100). 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 Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

58/ 100

Moderate

Investment Score

63/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

93/ 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 economics0/30
gross yield 3.8%; range width penalty ×0.91
- zoopla_valuationsrent estimate 350/mo (range 350-400)· as of 12 Aug 2026· verify before relying on this
Seller motivation0/20
0 price cut(s), 22 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 8 Sept 2026
Risk & liquidity6.2/10
878 sales/12mo in area; valuation range width 39%
- 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£110,000

At the asking price

Monthly rent£350/mo

Evidenced range £350-£400

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: -£129/mo
Cash on cash: -4.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - below 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 350/mo (range 350-400)Rental economics · as of 12 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 8 Sept 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 350/mo (range 350-400)

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£71,000

Rent Estimate (pcm)£350

Gross Yield3.18%

1y Growth-

3y Growth+3.9%

5y Growth+5.0%

10y Growth+3.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonModerate
MiningUnknown
Landslide2
Air QualityUnknown
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0ST5 1QG

Approval Rate

-12mo

Development

low

26/00630/LEXNOT
Prior notification of a single storey rear extension with a flat roof measuring 4.50m in depth, 3.5m maximum height & 2.40m to the eaves
Pending
26/00637/LEXNOT
Prior notification of a proposed single storey extension to rear measuring 4.5m depth with a maximum height of 4m and 3m to the eaves.
Pending
26/00626/FUL
Proposed removal of existing conservatory and erection of new 2 storey side and rear extension.
Pending

View Planning Timeline