75 Thompson Street, Padiham, Burnley, BB12 7BG

UPRN:100010358252Terrace Property3 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (61)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

75 Thompson Street, Padiham, Burnley, BB12 7BG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£96,000

£86k - £105kMedium

Estimate

£96k

Range

£86k – £105k

Rent Estimate (pcm)

£750

£700 - £750

Monthly

£750

Yield

7.50%

Verdict

Derived from HomePortfolio scores

75 Thompson Street earns an INVESTIGATE rating with HP Score 61/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is elevated. 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

61/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

74/ 100

Elevated

Walkability

73/ 100

High

Transit & Bike

Transit 23Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 2 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 edge-0.6/15
claims [AVM -25.0% (MEDIUM), sold-comps -62.2%, £/sqft -62.4%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100010358252· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 14.1%· as of 21 Oct 2026
Rental economics20/40
gross yield 7.5%; range width penalty ×1.00
- valuation_snapshotsrent estimate 750/mo (range 700-750)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -85/mo, -11% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 40 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 2 Nov 2026
Risk & liquidity12.9/15
477 sales/12mo in area; valuation range width 20%
- 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

£90,000£138,000

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£120,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £114/mo
Cash on cash: 3.7%
Score at this price: 32

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.85 - 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 100010358252Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 14.1%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-750)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 750/mo (range 700-750)
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£96,000

Rent Estimate (pcm)£750

Gross Yield7.50%

1y Growth+33.3%

3y Growth+1.5%

5y Growth+1.5%

10y Growth+3.9%

Last Sold Price£69,000 (2024-01-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB12 7BG

Approval Rate

-12mo

Development

low

PA/2026/0470
Installation of Automatic Number Plate Recognition (ANPR) System with associated anciliary works and signage
Pending
PA/2026/0469
Installation of Automatic Number Plate Recognition (ANPR) System with associated anciliary works and signage
Pending
OTH/2026/0464
Discharge of conditions 11 (Verification of Surface water sustainable drainage system, 13 (Landscape and open management plan) attached to planning permission VAR/2025/0488.
Pending

View Planning Timeline

Ownership

Corporate Ownership33.9%
Overseas OwnershipNo
Lease Term Remaining861 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2024-01-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,680

Population Density-

Owner Occupied43%

Age Distribution

0-15 18%16-64 66%65+ 16%

View Area Profile

Schools Nearby

Padiham Green Church of England Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John the Baptist Roman Catholic Primary School, Padiham
0.2 mi
Good
Whitegate Nursery School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Padiham Primary School
0.4 mi
Good

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

87 Thompson Street
-
£39k
-
111 Thompson Street
-
£97k
-
107 Thompson Street
-
£55k
-
119 Thompson Street
-
£90k
-

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