4 Whitby Road, Morecambe, LA4 5ST

UPRN:100010498682Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band BEPC: D (64)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£154,000

£147k - £162kHigh

Estimate

£154k

Range

£147k – £162k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

7.74%

Verdict

Derived from HomePortfolio scores

4 Whitby Road earns an INVESTIGATE rating with HP Score 76/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (78/100). 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 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

67/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

78/ 100

High

Transit & Bike

Transit 17Bike 54

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£155,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £48,400
Net cash flow: £169/mo
Cash on cash: 4.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.91 - 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£154,000

Rent Estimate (pcm)£1,000

Gross Yield7.74%

1y Growth-

3y Growth+2.9%

5y Growth+3.0%

10y Growth+3.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0LA4 5ST

Approval Rate

-12mo

Development

low

26/00964/FUL
Erection of side and rear extensions and construction of a side pitched-roof dormer extension
Pending
26/00910/FUL
Erection of single storey side extension and conversion of garage
Pending
26/00886/FUL
Conversion of first and second floor into two flats
Pending

View Planning Timeline

Ownership

Corporate Ownership69.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
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 Density5,152 /km²

Owner Occupied62%

Age Distribution

0-15 23%16-64 65%65+ 12%

View Area Profile

Schools Nearby

Lancaster Road Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Mary's Catholic Primary School, Morecambe
0.3 mi
Requires improvement
Morecambe Bay Community Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Poulton-le-Sands Church of England Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

3 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

18 Whitby Road
-
£168k
-
9 Whitby Road
-
£135k
-
24 Whitby Road
-
£136k
-
24 Whitby Road
-
£96k
-

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