Recent sale
27 CITY GARDENS
£172k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Skip to property detailsMonthly AVM sale-value estimate Monthly -6 live signals 25% deposit · IO BTL · Interest Only
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3 signals 0 levers
30 City Gardens, St. Helens, WA10 6UP
UPRN:39012239Terrace Property2 bedsBuilt England and Wales: before 1900
FreeholdCouncil Tax: -EPC: E (54)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· 1mo agoPlanning: ageing, refreshed 1mo ago (2026-08-13T09:14:26.906708+00:00)EPC· 4mo agoEPC: stale, refreshed 4mo ago (2026-05-20T10:58:39.129138+00:00)Risk· 3mo agoRisk: ageing, refreshed 3mo ago (2026-07-04T06:46:22.443816+00:00)Crime· freshCrime: fresh, refreshed yesterday (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 today
£169,000
Estimated value
Range: £161k - £178k|Last sold: £70k (2017-03-24)
Estimate of £169k for terrace propertys in Merseyside. 492 transactions in the last 12 months; median £158k.
AI Confidence
-
High confidence
Value History
Current estimate
£169k
£161k - £178k - High confidence
Annualised (CAGR)
+7.69%
Over the full window
Peak estimate
£180k
Jun 2026
From peak
-6.11%
Drawdown from peak
AVM estimate (model)Repeat-sales index - WA10 district (quarterly)index YoY +8.69%
Growth by window
3m
-5.06%
6m
+16.55%
12m
+22.46%
24m
+27.07%
60m
+49.56%
Rental Market
Estimated rent (pcm)
£1,150
/ month
Gross yield
4.54%
Net yield
6.65%
Vacancy trend
12-month change
Tenant profile
Market Metrics
Avg Area Price
£158k
2-bed Terrace Property
12m Price Growth
-
vs UK avg
Days on Market
74d
Area avg
Investment Analysis
Buy-to-let cashflow + capital returns
Purchase
- Asking Price£169,000
- SDLT standard£880
- SDLT BTL surcharge (5%)£8,450
- Legal + Survey£15,000
- Refurb (light)£11,830
- Total All-In Cost£205,160
Funding
- Deposit (25%)£42,250
- Mortgage (75% LTV)£126,750
- Interest Rate5.25%
- Mortgage TypeInterest Only
- Cash Required£78,410
Monthly Returns
- Monthly Rent (est)£1,150
- Mortgage Payment (IO)-£555
- Management (10%)-£115
- Insurance-£92
- Maintenance-£70
- Monthly Cashflow+£318
Capital Returns
- 5yr Property Value£209,098
- 5yr Capital Gain (4.35% pa)+£40,098
- 5yr Cumulative Rent (net)+£52,380
- Less mortgage interest-£33,300
- 5yr Total Return+£59,178
5-Year Projection
| Year | Property Value | Equity | Cashflow (YTD) | Total Return | ROI |
|---|---|---|---|---|---|
| Year 1 | £176,352 | £49,602 | +£3,816 | +£11,168 | 14.2% |
| Year 2 | £184,023 | £57,273 | +£7,632 | +£22,655 | 28.9% |
| Year 3 | £192,028 | £65,278 | +£11,448 | +£34,476 | 44.0% |
| Year 4 | £200,381 | £73,631 | +£15,264 | +£46,645 | 59.5% |
| Year 5 | £209,098 | £82,348 | +£19,080 | +£59,178 | 75.5% |
Assumes 4.35% 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 (£78,410).
Price Forecast
No forecast available.
Demand & Supply
DemandSupply
Comparable Sales
Recent sale
15 CITY GARDENS
£160k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Recent sale
36 CITY GARDENS
£235k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Recent sale
46 CITY GARDENS
£110k
Sale price
£/sqft
-
Rent pcm
-
Yield
-
Area Economic Intelligence
Signal
£28,468
Median Income
Signal
1,478
Population
Signal
7.5 / 100
Deprivation