15 Canal Street, Church, Accrington, BB5 4JU

UPRN:100010425979Terrace Property2 bedsBuilt before 1900

Tenure: -Council Tax: Band AEPC: C (70)

Data freshness:Planning· 6mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

15 Canal Street, Church, Accrington, BB5 4JU

HP Score

/ 100

Mixed

Verdict

7 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£99,000

£94k - £104kHigh

Estimate

£99k

Range

£94k – £104k

Rent Estimate (pcm)

£700

£700 - £750

Monthly

£700

Yield

8.40%

Verdict

Derived from HomePortfolio scores

15 Canal Street earns an INVESTIGATE rating with HP Score 62/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (43/100). 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 listingsOfcom Connected NationsOfcom mobile coverageMarket 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

62/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

43/ 100

Mixed

Transit & Bike

Transit 17Bike 33

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 Nov 2026

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

Valuation edge0/15
claims [AVM -1.0% (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 12 Oct 2026
- valuation_snapshotsestimate for 100010425979· as of 12 Oct 2026
Rental economics27.2/40
gross yield 8.4%; range width penalty ×1.00
- valuation_snapshotsrent estimate 700/mo (range 700-750)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -37/mo, -5% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 143 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 & liquidity14.6/15
677 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

£75,000£115,000

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£99,950

At the asking price

Monthly rent£700/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £31,286
Net cash flow: £147/mo
Cash on cash: 5.6%
Score at this price: 42

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.08 - 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 100010425979Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 700/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
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 700/mo (range 700-750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 143 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£99,000

Rent Estimate (pcm)£700

Gross Yield8.40%

1y Growth-44.4%

3y Growth+6.4%

5y Growth+4.6%

10y Growth+3.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BB5 4JU

Approval Rate

-12mo

Development

low

11/26/0462
Householder: Erection of single storey rear and side extension with porch and garage conversion
Pending
11/26/0441
Householder: Demolition of existing rear extension and erection of single storey rear extension (Retrospective)
Pending
11/26/0335
Listed Building Consent: Repairs and refurbishment of Oswaldtwistle Memorial
Pending

View Planning Timeline

Ownership

Corporate Ownership64.2%
Overseas OwnershipNo
Lease Term Remaining859 yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,647

Population Density-

Owner Occupied41%

Age Distribution

0-15 16%16-64 62%65+ 22%

View Area Profile

Schools Nearby

Sacred Heart Roman Catholic Primary School, Church
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Nicholas Church of England Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Oswaldtwistle St Paul's Church of England Primary School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Oswaldtwistle School
0.7 mi
-

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

View All Schools

Comparables

View All

40 Canal Street
-
£40k
-
30 Canal Street
-
£70k
-
11 Canal Street
-
£78k
-
13 Canal Street
-
£152k
-

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