46 Dale Street, Bacup, OL13 8BA

UPRN:100010595871Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (65)

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

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£255,000

£230k - £281kMedium

Estimate

£255k

Range

£230k – £281k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

9.75%

Verdict

Derived from HomePortfolio scores

46 Dale Street earns an INVESTIGATE rating with HP Score 79/100. Investment score 74/100 reflects strong fundamentals. Crime intensity is moderate. Walkability is excellent (88/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

74/ 100

High

Crime Score

35/ 100

Elevated

Walkability

88/ 100

Excellent

Transit & Bike

Transit 23Bike 28

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 4 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +5.9% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100010595871· as of 13 Oct 2026
Rental economics38/40
gross yield 9.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1950/mo (range 1900-2050)· as of 13 Oct 2026· verify before relying on this
Stress margin14.9/30
stressed cash flow +291/mo, +15% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 66 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 & liquidity12.8/15
191 sales/12mo in area; valuation range width 20%
- 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 sensitivityScores 80+ up to £180,000

£180,000£276,000

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£240,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,900-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: £540/mo
Cash on cash: 8.6%
Score at this price: 66

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.41 - 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 100010595871Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1950/mo (range 1900-2050)Rental economics · as of 13 Oct 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 reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1950/mo (range 1900-2050)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 66 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. Set your walk-away price before viewing - above £180,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£255,000

Rent Estimate (pcm)£1,950

Gross Yield9.75%

1y Growth-

3y Growth+5.9%

5y Growth+3.9%

10y Growth+5.0%

Last Sold Price£150,000 (2017-06-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

-OL13 8BA

Approval Rate

-12mo

Development

2026/0381
Erection of 3 no. detached dwellings with associated car parking and garden spaces.
Pending
2026/0356
Approval of details reserved by condition 23 (details of mobility impaired car parking spaces), pursuant to planning permission ref. 2025/0438
Approved
2026/0354
Non-Material Amendment pursuant to application 2025/0438, minor amendments to the wording of conditions 5 (water main) and 15 (historic streetlamp).
Approved

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-06-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density1,970 /km²

Owner Occupied65%

Age Distribution

0-15 21%16-64 60%65+ 19%

View Area Profile

Schools Nearby

Bacup Nursery School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bacup Thorn Primary School
0.3 mi
Good
St Mary's Roman Catholic Primary School, a Voluntary Academy
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bacup St Saviour's Community Primary School
0.8 mi
Good

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

View All Schools

Comparables

View All

48 Dale Street
-
£240k
-
70 Dale Street
-
£85k
-
Ashcliffe Cottage Dale Street
-
£247k
-
66 Dale Street
-
£111k
-

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