8 Clovelly Avenue, St. Helens, WA9 4HT

UPRN:39013121Semi-Detached House3 bedsBuilt 1930-1949

LeaseholdCouncil Tax: -EPC: D (61)AI-Powered Intelligence

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

Location map - no listing photos available

HP Score

/ 100

High Potential

Verdict

yesterday

BUY
Strong overall fundamentals
INVESTIGATE
Some risks
AVOID
High risk factors

Confidence

High

Sale Estimate

£121,000

£115k - £127kHigh

Estimate

£121k

Range

£115k – £127k

Rent Estimate (pcm)

£750

£700 - £750Medium

Monthly

£750

Yield

9.27%

AI Verdict

Derived from HomePortfolio scores

AI summary

8 Clovelly Avenue earns a BUY rating with HP Score 78/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (51/100). Flood risk is rated very 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

78/ 100

High

Investment Score

67/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

51/ 100

Moderate

Transit & Bike

Moderate

Real Data

Opportunity

Why this could be an opportunity

High confidence4 independent sourcesListing checked 17 Sept 2026

Every component scored, and three or more independent sources agree.

Valuation edge38/40
claims [AVM +17.4% (HIGH), sold-comps +39.8%, £/sqft +39.9%] → consensus +17.4% → credited 2.8% after backtest shrinkage; corroborated: AVM and sold-evidence family agree
- zoopla_valuationsestimate for 39013121· as of 12 Aug 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.2%· as of 5 Sept 2026
Rental economics30/30
gross yield 9.0%; range width penalty ×1.00
- zoopla_valuationsrent estimate 750/mo (range 700-750)· as of 12 Aug 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 17 Sept 2026· verify before relying on this
Seller motivation10/20
1 price cut(s), 508 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 17 Sept 2026
Risk & liquidity9.8/10
462 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 sensitivityScores 80+ up to £110,000

£75,000£115,000

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£100,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £31,300
Net cash flow: £182/mo
Cash on cash: 7.0%
Score at this price: 88

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.22 - 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 39013121Valuation edge · as of 12 Aug 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 22.2%Valuation edge · as of 5 Sept 2026
zoopla_valuationsrent estimate 750/mo (range 700-750)Rental economics · as of 12 Aug 2026
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 17 Sept 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 17 Sept 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-750)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Set your walk-away price before viewing - above £110,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£121,000

Rent Estimate (pcm)£750

Gross Yield9.27%

1y Growth-

3y Growth+4.1%

5y Growth+3.5%

10y Growth+5.3%

Last Sold Price£115,000 (2006-09-26)

View Market Details

Risk Overview

Flood RiskVery low
Subsidence1
RadonModerate
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WA9 4HT

Approval Rate

-12mo

Development

low

P/2026/0473/HHPA
Prior approval for single storey rear extension, projecting 4m from the rear, 3.8m max height and 2.85m at the eaves.
Pending
P/2026/0472/HHFP
Retrospective erection of a detached garage
Pending
P/2026/0466/TPO
Works to lime trees under TPO at property.
Pending

View Planning Timeline