Flat 4, 20 Southern Street, Manchester, M3 4NJ

UPRN:10070393253Flat/Maisonette2 bedsBuilt 2003-2006

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

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

Flat 4, 20 Southern Street, Manchester, M3 4NJ

Location map - no listing photos available

HP Score

/ 100

High Potential

Verdict

today

BUY
Strong overall fundamentals
INVESTIGATE
Some risks
AVOID
High risk factors

Confidence

High

Sale Estimate

£141,000

£134k - £148kHigh

Estimate

£141k

Range

£134k – £148k

Rent Estimate (pcm)

£850

£800 - £900Medium

Monthly

£850

Yield

6.55%

AI Verdict

Derived from HomePortfolio scores

AI summary

Flat 4 earns a BUY rating with HP Score 88/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (97/100). Flood risk is rated low. Tenure is leasehold. 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 signalsgaz salesHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidEnvironment Agency RoFRaSDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

88/ 100

Excellent

Investment Score

63/ 100

Moderate

Crime Score

0/ 100

Low

Walkability

97/ 100

Excellent

Transit & Bike

Excellent

Real Data

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 8 Sept 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge18/40
claims [AVM +7.8% (HIGH)] → consensus +7.8% → credited 2.1% after backtest shrinkage; single-source claim - capped pending corroboration
- zoopla_valuationsestimate for 10070393253· as of 12 Aug 2026
Rental economics27.5/30
gross yield 7.8%; range width penalty ×0.96
- zoopla_valuationsrent estimate 850/mo (range 800-900)· as of 12 Aug 2026· verify before relying on this
Seller motivation5/20
1 price cut(s), unknown days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 8 Sept 2026
Risk & liquidity9.8/10
244 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Calibrated against 6,141 realised listing→HMLR-sale outcomes, estimates taken as-of listing month. A large discount from one source alone is capped - independent sources must agree before it counts fully.

Economics

What happens to your money

Price sensitivity

£97,500£149,500

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£130,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £150/mo
Cash on cash: 4.4%
Score at this price: 60

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.94 - 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_valuationsestimate for 10070393253Valuation edge · as of 12 Aug 2026
zoopla_valuationsrent estimate 850/mo (range 800-900)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 reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 800-900)

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. 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. Treat the discount as unconfirmed - compare recent sold prices on the street yourself before pricing an offer around it.
Only one independent source currently supports the valuation edge.
4. 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£141,000

Rent Estimate (pcm)£850

Gross Yield6.55%

1y Growth+258.4%

3y Growth-3.9%

5y Growth-2.5%

10y Growth+3.2%

Last Sold Price£145,800 (2007-12-14)

View Market Details

Risk Overview

Flood RiskLow
Subsidence1
RadonLow
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0M3 4NJ

Approval Rate

-12mo

Development

low

Manchester/PLA-2026-000889
Change of use of the ground floor from flexible commercial space (Use Class E / Sui Generis) to ancillary gymnasium and laundry room for the exclusive use of residents, and reconfiguration of Level 2 to provide residential amenity, marketing suite (Sui Generis) alongside retained workspace (Use Class E), and associated works.
Pending
Manchester/OTH-2026-001433
Non-Material Amendment to Planning Permission 145354/FO/2026 for the Installation of security baskets and amended window design, to amend Condition 2 (Specified Plans) by replacing approved drawing 17280 13.A0 (G Wing Proposed Basket Planning Drawing) with revised drawing 17280 19.A0.
Approved
Manchester/PLA-2026-001505
Listed Building consent for various works to roof, rainwater goods, lead valleys and gutters
Pending

View Planning Timeline