The Vicarage, 20 Highland Brow, Galgate, Lancaster, LA2 0NB

UPRN:100010468094Detached House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band EEPC: C (71)

Data freshness:Planning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

The Vicarage, 20 Highland Brow, Galgate, Lancaster, LA2 0NB

HP Score

/ 100

Strong

Verdict

9 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£439,000

£417k - £461kHigh

Estimate

£439k

Range

£417k – £461k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

4.29%

Verdict

Derived from HomePortfolio scores

The Vicarage earns an INVESTIGATE rating with HP Score 75/100. Investment score 79/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (34/100). 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

75/ 100

Strong

Investment Score

79/ 100

High

Crime Score

17/ 100

Moderate

Walkability

34/ 100

Mixed

Transit & Bike

Transit 6Bike 46

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£350,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,100-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£316/mo
Cash on cash: -3.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.06 - below 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£439,000

Rent Estimate (pcm)£1,250

Gross Yield4.29%

1y Growth+30.9%

3y Growth+2.3%

5y Growth+2.9%

10y Growth+3.6%

Last Sold Price£283,000 (2007-12-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA2 0NB

Approval Rate

-12mo

Development

low

26/0214/TPO
Lime - prune branches overhanging outbuilding roof back to boundary and pruning of small branches to keep access to sideway clear
Pending
26/00859/FUL
Development of an agricultural business centre including the erection of an agricultural auction mart, erection of commercial business units, conversion of existing buildings to commercial premises, and alterations to land levels, formation of retaining structures, construction of associated access, infrastructure and landscaping
Pending
26/00853/LB
Listed building application for works to main dwelling including replacement mortar, windows and alterations to the boundary walls, conversion of barns including alterations to the fenestration, replacement roofs including structural timbers/trusses and roof coverings, and the installation of external timber cladding, insulation, lime plaster, partition walls, staircases, first floors and services.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-12-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

23 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density-

Owner Occupied74%

Age Distribution

0-15 18%16-64 64%65+ 18%

View Area Profile

Schools Nearby

Ellel St John the Evangelist Church of England Primary School
0.2 mi
Good
University of Lancaster
1.2 mi
-
Thurnham Glasson Christ Church, Church of England Primary School
2.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Cockerham Parochial CofE Primary School
2.4 mi
GoodConcerns

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

58 Highland Brow
-
£180k
-
86 Highland Brow
-
£265k
-
38 Highland Brow
-
£170k
-
72 Highland Brow
-
£190k
-

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