2 Salford Road, Galgate, Lancaster, LA2 0LL

UPRN:100010474164End Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (68)

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

2 Salford Road, Galgate, Lancaster, LA2 0LL

HP Score

/ 100

Strong

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£139,000

£125k - £153kMedium

Estimate

£139k

Range

£125k – £153k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

4.40%

Verdict

Derived from HomePortfolio scores

2 Salford Road earns an INVESTIGATE rating with HP Score 76/100. Investment score 76/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (39/100). 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

76/ 100

Strong

Investment Score

76/ 100

High

Crime Score

17/ 100

Moderate

Walkability

39/ 100

Mixed

Transit & Bike

Transit 7Bike 42

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 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 -7.9% (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 12 Oct 2026
- valuation_snapshotsestimate for 100010474164· as of 12 Oct 2026
Rental economics0/40
gross yield 4.4%; range width penalty ×0.84
- valuation_snapshotsrent estimate 550/mo (range 500-600)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -358/mo, -65% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 1 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 3 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

£112,500£172,500

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£149,950

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £46,785
Net cash flow: -£125/mo
Cash on cash: -3.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.09 - 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 100010474164Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 550/mo (range 500-600)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 550/mo (range 500-600)
Seller motivation could not be scored
context, not scored: 1 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. 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£139,000

Rent Estimate (pcm)£550

Gross Yield4.40%

1y Growth+8.7%

3y Growth+2.3%

5y Growth+2.9%

10y Growth+3.6%

Last Sold Price£95,000 (2020-09-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LA2 0LL

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 Change2020-09-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 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
0.1 mi
Good
University of Lancaster
1.3 mi
-
Cockerham Parochial CofE Primary School
2.4 mi
GoodConcerns
Thurnham Glasson Christ Church, Church of England Primary School
2.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

8 Salford Road
-
£125k
-
3 Salford Road
-
£115k
-
6 Salford Road
-
£116k
-
16 Salford Road
-
£173k
-

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