Flat 2, 7 Chatsworth Road, Lytham St. Annes, FY8 2JN

UPRN:100010399357Flat/Maisonette2 bedsBuilt 1900-1929

Tenure: -Council Tax: -EPC: D (57)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 2, 7 Chatsworth Road, Lytham St. Annes, FY8 2JN

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£155,000

£124k - £186kLow

Estimate

£155k

Range

£124k – £186k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

4.00%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 84/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (85/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket estimates (third-party AVM)Defra 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

84/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

85/ 100

Excellent

Transit & Bike

Transit 30Bike 54

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£195,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £61,200
Net cash flow: -£208/mo
Cash on cash: -4.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.99 - below 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£155,000

Rent Estimate (pcm)£650

Gross Yield4.00%

1y Growth-

3y Growth+1.2%

5y Growth+2.6%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

1FY8 2JN

Approval Rate

100%12mo

Development

low

26/0635
ADVERTISEMENT CONSENT FOR ERECTION OF A NON-ILLUMINATED, DOUBLE-SIDED CAR PARK DIRECTIONAL PROJECTING SIGN
Pending
26/0618
SINGLE STOREY SIDE AND REAR EXTENSION
Pending
26/0533
CONSTRUCTION OF FIRST FLOOR SIDE EXTENSION TO CARE HOME
Pending

View Planning Timeline

Ownership

Corporate Ownership71.9%
Overseas OwnershipNo
Lease Term Remaining896 yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,020

Population Density3,331 /km²

Owner Occupied76%

Age Distribution

0-15 12%16-64 51%65+ 37%

View Area Profile

Schools Nearby

Red Rose School
0.2 mi
Inspected by ISI
Lytham St Annes Mayfield Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Poplar House School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Anne's College Grammar School
0.6 mi
Inspected by ISI

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

View All Schools

Comparables

View All

15 Chatsworth Road
-
£425k
-
17 Chatsworth Road
-
£395k
-
8 Chatsworth Road
-
£640
-
8 Chatsworth Road
-
£640
-

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