2 Commercial Street, Bacup, OL13 0UA

UPRN:100010595617Terrace Property2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (68)

Data freshness:Listing· freshOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

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

£120,000

£114k - £126kHigh

Estimate

£120k

Range

£114k – £126k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

8.50%

Verdict

Derived from HomePortfolio scores

2 Commercial Street earns an INVESTIGATE rating with HP Score 79/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (81/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

74/ 100

High

Crime Score

17/ 100

Moderate

Walkability

81/ 100

High

Transit & Bike

Transit 11Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 11 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +0.0% (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 14 Nov 2026
- valuation_snapshotsestimate for 100010595617· as of 14 Nov 2026
Rental economics27/40
gross yield 8.5%; range width penalty ×0.96
- valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -11/mo, -1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 11 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 117 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 11 Nov 2026
Risk & liquidity14.6/15
191 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

£90,000£138,000

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£119,950

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £37,286
Net cash flow: £184/mo
Cash on cash: 5.9%
Score at this price: 42

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.10 - 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 100010595617Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 850/mo (range 800-900)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 800-900)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£120,000

Rent Estimate (pcm)£850

Gross Yield8.50%

1y Growth+34.8%

3y Growth+5.9%

5y Growth+3.9%

10y Growth+5.0%

Last Sold Price£60,000 (2007-01-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

-OL13 0UA

Approval Rate

-12mo

Development

2026/0351
Householder: Dormer conversion to the existing loft accommodation (Restrospective).
Pending
2026/0316
Householder: Proposed Single Storey Rear Extension
Conditions
2026/0272
Full: Change of use from C3 4 Double Bedroom dwellinghouse to 5 Double Bedroom C4 House in Multiple Occupation
Pending

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining847 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2007-01-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

29 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density617 /km²

Owner Occupied52%

Age Distribution

0-15 23%16-64 64%65+ 13%

View Area Profile

Schools Nearby

Bacup Holy Trinity Stacksteads Church of England Primary School
0.0 mi
Good
St Joseph's Roman Catholic Primary School, Stacksteads, Bacup
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Valley Leadership Academy
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bacup St Saviour's Community Primary School
1.0 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

10 Commercial Street
-
£155k
-
4 Commercial Street
-
£115k
-
6 Commercial Street
-
£132k
-
15 Commercial Street
-
£74k
-

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