20 Lancaster Avenue, Lytham St. Annes, FY8 1DL

UPRN:100010405367Detached House4 bedsBuilt 1930-1949

LeaseholdCouncil Tax: Band FEPC: D (66)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

20 Lancaster Avenue, Lytham St. Annes, FY8 1DL

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£769,000

£730k - £807kHigh

Estimate

£769k

Range

£730k – £807k

Rent Estimate (pcm)

£3,200

£3k - £4k

Monthly

£3,200

Yield

5.12%

Verdict

Derived from HomePortfolio scores

20 Lancaster Avenue earns an INVESTIGATE rating with HP Score 73/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (39/100). 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

73/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

39/ 100

Mixed

Transit & Bike

Transit 10Bike 37

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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 [AVM +2.5% (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 100010405367· as of 9 Oct 2026
Rental economics0.8/40
gross yield 5.1%; range width penalty ×0.79
- valuation_snapshotsrent estimate 3200/mo (range 2850-3500)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -942/mo, -29% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 208 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 4 Nov 2026
Risk & liquidity14.6/15
636 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 sensitivity

£562,500£862,500

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£750,000

At the asking price

Monthly rent£3,200/mo

Evidenced range £2,850-£3,500

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: -£316/mo
Cash on cash: -1.5%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - 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

valuation_snapshotsestimate for 100010405367Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3200/mo (range 2850-3500)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3200/mo (range 2850-3500)
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. 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.
3. 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£769,000

Rent Estimate (pcm)£3,200

Gross Yield5.12%

1y Growth-

3y Growth+1.2%

5y Growth+2.6%

10y Growth+2.9%

Last Sold Price£350,000 (2005-07-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1FY8 1DL

Approval Rate

100%12mo

Development

low

26/0604
1) CONVERSION OF LOFT SPACE AT SECOND FLOOR TO PROVIDE LIVING ACCOMMODATION INCLUDING FORMATION OF VELUX CABRIO BALCONY TO REAR ROOF SLOPE; 2) INSERTION OF ROOF LIGHTS TO FRONT ROOF SLOPE; 3) INSTALLATION OF SECOND FLOOR WINDOW IN WEST FACING SIDE ELEVATION; AND 4) ERECTION OF REPLACEMENT BALUSTRADE TO MAIN ENTRANCE STAIRCASE ON WEST FACING SIDE ELEVATION
Pending
26/0526
NON MATERIAL AMENDMENT TO PLANNING PERMISSION 25/0331 FOR ALTERATIONS TO FENESTRATION ARRANGEMENT ON REAR ELEVATION INCLUDING: 1) REPLACEMENT OF DOOR AND WINDOW COMBINATION ON REAR OF EXTENSION WITH WINDOW ONLY; AND 2) REPLACEMENT OF PATIO DOORS AND GLAZING TO REAR OF LOUNGE WITH WINDOWS ONLY
Approved
26/0522
APPLICATION TO DISCHARGE CONDITION 3 (MATERIALS) OF PLANNING PERMISSION 22/0473
Approved

View Planning Timeline

Ownership

Corporate Ownership72%
Overseas OwnershipNo
Lease Term Remaining864 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2005-07-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,020

Population Density2,694 /km²

Owner Occupied80%

Age Distribution

0-15 11%16-64 50%65+ 39%

View Area Profile

Schools Nearby

AKS Lytham
0.5 mi
Inspected by ISI
St Anne's College Grammar School
0.5 mi
Inspected by ISI
St Annes on Sea St Thomas' Church of England Primary School
0.5 mi
-
Our Lady Star of the Sea Catholic Primary School
0.7 mi
Inspected as Our Lady Star of the Sea Catholic Primary School (URN 119627) on 28 Mar 2023

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

View All Schools

Comparables

View All

16 Lancaster Avenue
-
£595k
-
13 Lancaster Avenue
-
£420k
-
17 Lancaster Avenue
-
£633k
-
9 Lancaster Avenue
-
£648k
-

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