1 South Clifton Street, Lytham St. Annes, FY8 5HN

UPRN:100010409699End Terrace Bungalow2 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: D (58)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

1 South Clifton Street, Lytham St. Annes, FY8 5HN

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

£322,000

£290k - £354kMedium

Estimate

£322k

Range

£290k – £354k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

7.02%

Verdict

Derived from HomePortfolio scores

1 South Clifton Street earns an INVESTIGATE rating with HP Score 79/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (89/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

89/ 100

Excellent

Transit & Bike

Transit 20Bike 62

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 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: the estimate sits 18% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +17.7% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100010409699· as of 9 Oct 2026
Rental economics15.2/40
gross yield 7.0%; range width penalty ×0.94; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1550/mo (range 1450-1650)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -109/mo, -7% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 264 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 6 Nov 2026
Risk & liquidity12.9/15
636 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

£199,000£305,000

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£265,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £84,050
Net cash flow: £179/mo
Cash on cash: 2.6%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.73 - 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 100010409699Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1650)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1550/mo (range 1450-1650)
Rental economics needs verification before you rely on it
sale estimate 18% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£322,000

Rent Estimate (pcm)£1,550

Gross Yield7.02%

1y Growth-

3y Growth+1.2%

5y Growth+2.6%

10y Growth+2.9%

Last Sold Price£155,000 (2014-09-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0FY8 5HN

Approval Rate

-12mo

Development

low

26/0643
ALTERATIONS TO DWELLING: (1) CREATION OF FIRST FLOOR BALCONY TO FRONT ELEVATION OF MAIN DWELLING, INCLUDING REPLACEMENT OF WINDOW WITH FRENCH DOORS AND PROVISION OF BALUSTRADE, AND, (2) EXTERNAL ALTERATION OF REAR COACH HOUSE TO FORM RESIDENTIAL ANNEX TO BE USED AS INCIDENTAL ACCOMMODATION TO 47 EAST BEACH, INCLUDING, 1) REPLACEMENT OF ALL WINDOWS & DOORS, 2) 1ST FLOOR WINDOW TO NORTH FACING REAR ELEVATION, 3) ALTERATION OF REAR BOUNDARY WALL TO PROVIDE GARAGE DOOR OPENING AS MEANS OF ACCESS TO PARKING SPACE.
Pending
26/0597
CHANGE OF USE OF 1ST & 2ND FLOORS TO A 4 BEDROOM SERVICED HOLIDAY APARTMENT (USE CLASS C1), INCLUDING ALTERATIONS TO THE PROPERTY COMPRISING: 1) FORMATION OF FIRE ESCAPE WALKWAY OVER GROUND FLOOR EXTENSION TO REAR, 2) REPLACEMENT OF 1ST FLOOR REAR WINDOW WITH DOOR, 3) REPLACEMENT OF TIMBER WINDOWS TO 1ST & 2ND FLOORS OF FRONT ELEVATION WITH ANTHRACITE GREY WOOD EFFECT UPVC EQUIVALENTS
Pending
26/0585
FELLING OF DEAD TREE TO REAR BOUNDARY OF PROPERTY AND LOCATED IN LYTHAM CONSERVATION AREA
Approved

View Planning Timeline

Ownership

Corporate Ownership72%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-09-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,020

Population Density-

Owner Occupied64%

Age Distribution

0-15 8%16-64 58%65+ 34%

View Area Profile

Schools Nearby

Lytham Hall Park Primary School
0.5 mi
Report card2025
Ofsted no longer awards a single overall grade.
Lytham Church of England Voluntary Aided Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Bede's Catholic High School, Lytham
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Peter's Catholic Primary School, Lytham
0.7 mi
Inspected as St Peter's Catholic Primary School, Lytham (URN 119628) on 19 Jun 2024

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

14 South Clifton Street
-
£75k
-
15 South Clifton Street
-
£350k
-
7 South Clifton Street
-
£267k
-
6 South Clifton Street
-
£232k
-

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