31 Mizpah Street, Burnley, BB10 4DD

UPRN:100010349187Mid Terrace House2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: C (69)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£102,000

£81k - £122kLow

Estimate

£102k

Range

£81k – £122k

Rent Estimate (pcm)

£800

£750 - £800

Monthly

£800

Yield

9.14%

Verdict

Derived from HomePortfolio scores

31 Mizpah Street earns an INVESTIGATE rating with HP Score 78/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (73/100). 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 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

73/ 100

High

Transit & Bike

Transit 30Bike 33

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 9 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [sold-comps -15.4%, £/sqft -14.8%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 11 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 14.4%· as of 1 Nov 2026
Rental economics33.1/40
gross yield 9.1%; range width penalty ×1.00
- valuation_snapshotsrent estimate 800/mo (range 750-800)· as of 11 Nov 2026· verify before relying on this
Stress margin1.9/30
stressed cash flow +15/mo, +2% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 9 Nov 2026
Risk & liquidity9.2/15
438 sales/12mo in area; valuation range width 40%
- 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 sensitivity

£79,000£120,500

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£105,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£800

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: £199/mo
Cash on cash: 7.3%
Score at this price: 44

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.26 - 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

property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 14.4%Valuation edge · as of 1 Nov 2026
valuation_snapshotsrent estimate 800/mo (range 750-800)Rental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 750-800)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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£102,000

Rent Estimate (pcm)£800

Gross Yield9.14%

1y Growth-

3y Growth+8.2%

5y Growth+5.1%

10y Growth+4.8%

Last Sold Price£48,490 (2019-10-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BB10 4DD

Approval Rate

-12mo

Development

low

PA/2026/0466
Proposed wet room extension to rear of dwellinghouse.
Pending
NOT/2026/0491
Installation of a floating pontoon
Approved
PA/2026/0449
Erection of a timber gazebo
Pending

View Planning Timeline

Ownership

Corporate Ownership64.8%
Overseas OwnershipNo
Lease Term Remaining874 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-10-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,680

Population Density9,551 /km²

Owner Occupied60%

Age Distribution

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

View Area Profile

Schools Nearby

St Mary's RC Primary School, a Voluntary Academy
0.3 mi
Inspected as St Mary's Roman Catholic Primary School, Burnley (URN 119703) on 5 May 2021
Burnley Springfield Community Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Burnley St Stephen's Church of England Voluntary Aided Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Burnley Brunshaw Primary School
0.4 mi
Good

0 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

24 Mizpah Street
-
£85k
-
15 Mizpah Street
-
£84k
-
24 Mizpah Street
-
£72k
-
13 Mizpah Street
-
£69k
-

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