20 St Oswalds Road, Blackburn, BB1 2DS

UPRN:100010452428Mid Terrace House3 bedsBuilt 1950-1966

LeaseholdCouncil Tax: Band BEPC: C (71)

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

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£192,000

£172k - £211kMedium

Estimate

£192k

Range

£172k – £211k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

8.70%

Verdict

Derived from HomePortfolio scores

20 St Oswalds Road earns an INVESTIGATE rating with HP Score 74/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (48/100). 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

74/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

48/ 100

Mixed

Transit & Bike

Transit 14Bike 28

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£200,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,400-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £329/mo
Cash on cash: 6.3%
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£192,000

Rent Estimate (pcm)£1,450

Gross Yield8.70%

1y Growth+78.0%

3y Growth+2.2%

5y Growth+2.7%

10y Growth+4.3%

Last Sold Price£46,000 (1998-12-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BB1 2DS

Approval Rate

-12mo

Development

low

11/26/0429
Householder: Erection of single storey side and rear extensions and erection of rear dormer above proposed single storey rear extension
Pending
11/26/0425
Discharge of Condition: Discharge of Conditions: 22 (cycle stores), 35 (management company details) and 41 (construction surface water management) pursuant to planning permission reference 11/25/0399
Approved
11/26/0371
Planning Obligation Modification: To change the affordable rented dwellings to intermediate housing (shared ownership dwellings and/or discounted sale dwellings) in the section 106 agreement dated 26 June 2024 associated with full planning permission reference 11/23/0207
Pending

View Planning Timeline

Ownership

Corporate Ownership43.1%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1998-12-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,647

Population Density4,837 /km²

Owner Occupied89%

Age Distribution

0-15 15%16-64 57%65+ 28%

View Area Profile

Schools Nearby

Knuzden St Oswald's Church of England Primary Academy
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Shadsworth Infant School
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Intack Primary School
0.5 mi
Good
St Antony's RC Primary School
0.7 mi
-

3 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

11 St Oswalds Road
-
£170k
-
3 St Oswalds Road
-
£163k
-
16 St Oswalds Road
-
£178k
-
10 St Oswalds Road
-
£100k
-

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