84 Albert Road, Morecambe, LA4 4HZ

UPRN:100010479398Mid Terrace House5 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: D (60)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· 1mo agoEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£197,000

£157k - £236kLow

Estimate

£197k

Range

£157k – £236k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

6.82%

Verdict

Derived from HomePortfolio scores

84 Albert Road earns an INVESTIGATE rating with HP Score 54/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (50/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

54/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

77/ 100

Elevated

Walkability

50/ 100

Moderate

Transit & Bike

Transit 29Bike 50

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics14.5/40
gross yield 6.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1250/mo (range 1200-1300)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -139/mo, -11% 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 9 Nov 2026
Risk & liquidity9.2/15
312 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£220,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,200-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £69,200
Net cash flow: £123/mo
Cash on cash: 2.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.68 - clears 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_snapshotsrent estimate 1250/mo (range 1200-1300)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1250/mo (range 1200-1300)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£197,000

Rent Estimate (pcm)£1,250

Gross Yield6.82%

1y Growth-

3y Growth+2.9%

5y Growth+3.0%

10y Growth+3.9%

Last Sold Price£95,000 (2004-10-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1LA4 4HZ

Approval Rate

100%12mo

Development

low

26/01089/PAS
Prior approval for the installation of roof mounted photovoltaic panels
Pending
26/01058/FUL
Erection of a carport to the front of existing garage
Pending
26/01009/PLDC
Proposed lawful development certificate for the erection of a single storey infill extension
Approved

View Planning Timeline

Ownership

Corporate Ownership69.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2004-10-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density7,908 /km²

Owner Occupied26%

Age Distribution

0-15 18%16-64 73%65+ 9%

View Area Profile

Schools Nearby

West End Primary School
0.1 mi
Good
Bay Leadership Academy
0.4 mi
Good
Morecambe and Heysham Sandylands Community Primary School
0.4 mi
Good
Morecambe and Heysham Westgate Primary School
0.7 mi
Requires improvementConcerns

5 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

88 Albert Road
-
£184k
-
86 Albert Road
-
£113k
-
86 Albert Road
-
£91k
-
80 Albert Road
-
£63k
-

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