10 Smallshaw Fold, Ashton-under-Lyne, OL6 8YQ

UPRN:100011553338Terrace Property2 bedsBuilt -

LeaseholdCouncil Tax: Band BEPC: -

Data freshness:Listing· freshPlanning· 4mo agoRisk· 2y agoAmenities· 1mo agoArea· Census 2021Council Tax· 3mo ago

10 Smallshaw Fold, Ashton-under-Lyne, OL6 8YQ

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

17 of 21 sources

Sale Estimate

£220,000

£209k - £231kHigh

Estimate

£220k

Range

£209k – £231k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

8.86%

Verdict

Derived from HomePortfolio scores

10 Smallshaw Fold earns an INVESTIGATE rating with HP Score 67/100. Investment score 49/100 reflects below-average fundamentals. Walkability is limited (64/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021HM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

49/ 100

Mixed

Crime Score

No data

Walkability

64/ 100

Moderate

Transit & Bike

Transit 61Bike 40

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 20 Oct 2026

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

Valuation edge0/15
claims [AVM +4.5% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100011553338· as of 9 Oct 2026
Rental economics30.9/40
gross yield 8.9%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1550/mo (range 1450-1600)· as of 9 Oct 2026· verify before relying on this
Stress margin8/30
stressed cash flow +123/mo, +8% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 20 Oct 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
253 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivityScores 70+ up to £184,000

£157,500£241,500

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£210,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: £364/mo
Cash on cash: 6.6%
Score at this price: 54

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.19 - 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

valuation_snapshotsestimate for 100011553338Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1600)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 20 Oct 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 1550/mo (range 1450-1600)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

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. Set your walk-away price before viewing - above £184,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£220,000

Rent Estimate (pcm)£1,550

Gross Yield8.86%

1y Growth-

3y Growth-0.4%

5y Growth+4.8%

10y Growth+5.4%

Last Sold Price£52,500 (1998-11-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OL6 8YQ

Approval Rate

-12mo

Development

low

26/00707/CPUD
Change of use from dwellinghouse (use class C3) as a childrens home (Use Class C2) for one child with up to two carers and manager, with two carers staying overnight working on a rota basis.
Pending
26/00090/PLCOND
Full discharge of Condition 3 (Storage and Collection of Refuse) of planning reference 26/00088/FUL
Approved
26/00672/CPUD
Proposed Loft Conversion with Rear Dormer
Approved

View Planning Timeline

Ownership

Corporate Ownership65.9%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1998-11-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,877

Population Density5,276 /km²

Owner Occupied72%

Age Distribution

0-15 20%16-64 62%65+ 18%

View Area Profile

Schools Nearby

Waterloo Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Canon Burrows CofE Primary School
0.3 mi
Good
Oasis Academy Broadoak
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Canon Johnson CofE Primary School
0.4 mi
Good

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Smallshaw Fold
-
£239k
-
8 Smallshaw Fold
-
£182k
-
12 Smallshaw Fold
-
£175k
-
2 Smallshaw Fold
-
£183k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN