42 Pendle Gardens, Culcheth, Warrington, WA3 4LU

UPRN:100010305748Detached House4 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band EEPC: C (70)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

42 Pendle Gardens, Culcheth, Warrington, WA3 4LU

HP Score

/ 100

Strong

Verdict

5 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

17 of 21 sources

Sale Estimate

£512,000

£487k - £538kHigh

Estimate

£512k

Range

£487k – £538k

Rent Estimate (pcm)

£2,350

£2k - £3k

Monthly

£2,350

Yield

5.48%

Verdict

Derived from HomePortfolio scores

42 Pendle Gardens earns an INVESTIGATE rating with HP Score 76/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (58/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal 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 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

63/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

58/ 100

Moderate

Transit & Bike

Transit 17Bike 47

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£514,500

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,150-£2,550

Interest rate5.4%

Loan to value75%

Cash required: £171,375
Net cash flow: -£110/mo
Cash on cash: -0.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.35 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£512,000

Rent Estimate (pcm)£2,350

Gross Yield5.48%

1y Growth-

3y Growth+1.9%

5y Growth+3.1%

10y Growth+5.2%

Last Sold Price£290,000 (2010-10-27)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1WA3 4LU

Approval Rate

100%12mo

Development

low

2026/00719/FULH
Garage Conversion, detached garage, and external alterations to front facade
Pending
2026/00695/FULH
Double storey extension to the rear and detached outbuilding
Pending
2026/00692/CLDE
Confirmation of existing lawful use storage (B8)
Pending

View Planning Timeline

Ownership

Corporate Ownership63.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2010-10-27
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,144

Population Density333 /km²

Owner Occupied91%

Age Distribution

0-15 8%16-64 75%65+ 17%

View Area Profile

Schools Nearby

Newchurch Community Primary School
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Twiss Green Community Primary School
0.6 mi
Good
St Lewis Catholic Primary School
0.8 mi
Good
Culcheth High School
0.8 mi
Good

5 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

34 Pendle Gardens
-
£575k
-
19 Pendle Gardens
-
£405k
-
82 Pendle Gardens
-
£480k
-
40 Pendle Gardens
-
£440k
-

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