13 Oak Avenue, Galgate, Lancaster, LA2 0NA

UPRN:100010471839Semi-Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band BEPC: C (72)

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

13 Oak Avenue, Galgate, Lancaster, LA2 0NA

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£264,000

£237k - £290kMedium

Estimate

£264k

Range

£237k – £290k

Rent Estimate (pcm)

£850

£750 - £950

Monthly

£850

Yield

3.66%

Verdict

Derived from HomePortfolio scores

13 Oak Avenue earns an INVESTIGATE rating with HP Score 75/100. Investment score 76/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (37/100). 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

76/ 100

High

Crime Score

16/ 100

Moderate

Walkability

37/ 100

Mixed

Transit & Bike

Transit 5Bike 42

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 11 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 -5.7% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100010471839· as of 9 Nov 2026
Rental economics0/40
gross yield 3.7%; range width penalty ×0.73
- valuation_snapshotsrent estimate 850/mo (range 750-950)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -682/mo, -80% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 70 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 11 Nov 2026
Risk & liquidity12.8/15
189 sales/12mo in area; valuation range width 20%
- 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

£209,000£321,000

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£279,000

At the asking price

Monthly rent£850/mo

Evidenced range £750-£950

Interest rate5.4%

Loan to value75%

Cash required: £88,950
Net cash flow: -£353/mo
Cash on cash: -4.8%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.90 - below 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 100010471839Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 850/mo (range 750-950)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 850/mo (range 750-950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 70 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£264,000

Rent Estimate (pcm)£850

Gross Yield3.66%

1y Growth-

3y Growth+2.3%

5y Growth+2.9%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA2 0NA

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
26/00755/NMA
Non-material amendment to planning permission 24/00378/FUL to alter floor plans and fenestration
Approved
26/00708/FUL
Installation of sewage treatment plant
Approved

View Planning Timeline

Ownership

Corporate Ownership74.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density1,550 /km²

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
0.4 mi
Good
University of Lancaster
1.2 mi
-
Thurnham Glasson Christ Church, Church of England Primary School
2.1 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

11 Oak Avenue
-
£270k
-
12 Oak Avenue
-
£185k
-
12 Oak Avenue
-
£178k
-
11 Oak Avenue
-
£174k
-

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