95 Lonsdale Street, Accrington, BB5 0HJ

UPRN:100010433448Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (60)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£123,000

£117k - £130kHigh

Estimate

£123k

Range

£117k – £130k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

8.64%

Verdict

Derived from HomePortfolio scores

95 Lonsdale Street earns an INVESTIGATE rating with HP Score 66/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (74/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

54/ 100

Elevated

Walkability

74/ 100

High

Transit & Bike

Transit 37Bike 48

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£125,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: £201/mo
Cash on cash: 6.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.13 - 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£123,000

Rent Estimate (pcm)£900

Gross Yield8.64%

1y Growth-22.8%

3y Growth+6.4%

5y Growth+4.6%

10y Growth+3.7%

Last Sold Price£50,000 (2013-09-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB5 0HJ

Approval Rate

-12mo

Development

low

11/26/0449
Householder: Erection of single storey front and rear extension, front porch, three front dormers and alterations to boundary treatment
Pending
11/26/0457
Householder: Proposed conversion of existing garage into accessible bathroom
Pending
11/26/0462
Householder: Erection of single storey rear and side extension with porch and garage conversion
Pending

View Planning Timeline

Ownership

Corporate Ownership64.2%
Overseas OwnershipNo
Lease Term Remaining862 yrs
CovenantsNone
Lease TypeFreehold
Last Ownership Change2013-09-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,647

Population Density6,836 /km²

Owner Occupied49%

Age Distribution

0-15 29%16-64 58%65+ 13%

View Area Profile

Schools Nearby

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

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

View All Schools

Comparables

View All

74 Lonsdale Street
-
£115k
-
69 Lonsdale Street
-
£70k
-
93 Lonsdale Street
-
£100k
-
65 Lonsdale Street
-
£123k
-

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