9 Carleton Street, Morecambe, LA4 4NX

UPRN:100010482463Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band BEPC: D (60)

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

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£184,000

£175k - £194kHigh

Estimate

£184k

Range

£175k – £194k

Rent Estimate (pcm)

£850

£750 - £900

Monthly

£850

Yield

5.51%

Verdict

Derived from HomePortfolio scores

9 Carleton Street earns an INVESTIGATE rating with HP Score 80/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (84/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

72/ 100

High

Crime Score

25/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 24Bike 60

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -0.5% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100010482463· as of 9 Nov 2026
Rental economics3.5/40
gross yield 5.5%; range width penalty ×0.85
- valuation_snapshotsrent estimate 850/mo (range 750-900)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -286/mo, -34% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 119 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 4 Nov 2026
Risk & liquidity14.6/15
312 sales/12mo in area; valuation range width 10%
- 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

£139,000£212,500

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£185,000

At the asking price

Monthly rent£850/mo

Evidenced range £750-£900

Interest rate5.4%

Loan to value75%

Cash required: £58,000
Net cash flow: -£36/mo
Cash on cash: -0.7%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.36 - 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_snapshotsestimate for 100010482463Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 850/mo (range 750-900)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 750-900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 119 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£184,000

Rent Estimate (pcm)£850

Gross Yield5.51%

1y Growth+17.8%

3y Growth+2.9%

5y Growth+3.0%

10y Growth+3.9%

Last Sold Price£138,000 (2021-02-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA4 4NX

Approval Rate

-12mo

Development

low

26/01089/PAS
Prior approval for the installation of roof mounted photovoltaic panels
Pending
26/01009/PLDC
Proposed lawful development certificate for the erection of a single storey infill extension
Approved
26/00939/FUL
Installation of replacement windows and roofs to bay window and shop frontage fascia
Pending

View Planning Timeline

Ownership

Corporate Ownership69.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-02-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density5,352 /km²

Owner Occupied73%

Age Distribution

0-15 20%16-64 62%65+ 18%

View Area Profile

Schools Nearby

Morecambe Bay Community Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
West End Primary School
0.5 mi
Good
Morecambe and Heysham Westgate Primary School
0.6 mi
Requires improvementConcerns
Poulton-le-Sands Church of England Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

27 Carleton Street
-
£185k
-
7 Carleton Street
-
£157k
-
11 Carleton Street
-
£137k
-
9 Carleton Street
-
£138k
-

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