28 Frederick Street, Oswaldtwistle, Accrington, BB5 3DH

UPRN:100010429804Mid Terrace House2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (63)

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

28 Frederick Street, Oswaldtwistle, Accrington, BB5 3DH

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£107,000

£97k - £118kMedium

Estimate

£107k

Range

£97k – £118k

Rent Estimate (pcm)

£800

£750 - £800

Monthly

£800

Yield

8.73%

Verdict

Derived from HomePortfolio scores

28 Frederick Street earns an INVESTIGATE rating with HP Score 68/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (69/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

45/ 100

Elevated

Walkability

69/ 100

Moderate

Transit & Bike

Transit 33Bike 42

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£110,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£800

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £183/mo
Cash on cash: 6.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.15 - clears 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£107,000

Rent Estimate (pcm)£800

Gross Yield8.73%

1y Growth-

3y Growth+6.4%

5y Growth+4.6%

10y Growth+3.7%

Last Sold Price£78,000 (2005-10-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB5 3DH

Approval Rate

-12mo

Development

low

11/26/0459
Prior Approval: (Part 3, Class MA) Conversion at first-floor level from existing business use to 1no. self-contained apartment
Pending
11/26/0335
Listed Building Consent: Repairs and refurbishment of Oswaldtwistle Memorial
Pending
11/26/0434
Observations to County Council: Erection of prefabricated building to provide gym facilities for pupils
Conditions

View Planning Timeline

Ownership

Corporate Ownership64.2%
Overseas OwnershipNo
Lease Term Remaining886 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2005-10-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,647

Population Density-

Owner Occupied55%

Age Distribution

0-15 20%16-64 67%65+ 13%

View Area Profile

Schools Nearby

Oswaldtwistle St Paul's Church of England Primary School
0.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
Oswaldtwistle School
0.0 mi
-
Rhyddings
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Mary's Roman Catholic Primary School, Oswaldtwistle
0.3 mi
Good

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

View All Schools

Comparables

View All

1 Frederick Street
-
£68k
-
21 Frederick Street
-
£74k
-
26 Frederick Street
-
£75k
-
36 Frederick Street
-
£58k
-

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