45 Russell Drive, Morecambe, LA4 6NS

UPRN:100010494412-Beds -Built 1930-1949

Tenure: -Council Tax: Band CEPC: D (59)

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

HP Score

/ 100

Strong

Verdict

8 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£219,000

£208k - £230kHigh

Estimate

£219k

Range

£208k – £230k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

6.27%

Verdict

Derived from HomePortfolio scores

45 Russell Drive earns an INVESTIGATE rating with HP Score 76/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (53/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

61/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

53/ 100

Moderate

Transit & Bike

Transit 14Bike 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£220,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £69,200
Net cash flow: £54/mo
Cash on cash: 0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.55 - clears 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£219,000

Rent Estimate (pcm)£1,150

Gross Yield6.27%

1y Growth-4.1%

3y Growth+2.9%

5y Growth+3.0%

10y Growth+3.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LA4 6NS

Approval Rate

-12mo

Development

low

26/01101/FUL
Construction of first floor rear balcony
Pending
26/01032/PLDC
Proposed lawful development certificate for the construction of a dormer extension to the rear elevation and construction of a hip to gable extension
Pending
26/01031/PLDC
Proposed lawful development certificate for the erection of a single storey front extension and construction of a dormer extension to the rear elevation with attic conversion
Pending

View Planning Timeline

Ownership

Corporate Ownership69.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density2,408 /km²

Owner Occupied90%

Age Distribution

0-15 14%16-64 51%65+ 35%

View Area Profile

Schools Nearby

Morecambe and Heysham Torrisholme Community Primary School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Lancaster and Morecambe College
0.3 mi
-
Morecambe Road School
0.5 mi
Good
Great Wood Primary School
0.5 mi
Good

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

49 Russell Drive
-
£155k
-
55 Russell Drive
-
£185k
-
73 Russell Drive
-
£175k
-
55 Russell Drive
-
£125k
-

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