10 Queens Terrace, Bacup, OL13 0EQ

UPRN:100010598322Terrace Property2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: C (73)

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

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£113,000

£108k - £119kHigh

Estimate

£113k

Range

£108k – £119k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

9.14%

Verdict

Derived from HomePortfolio scores

10 Queens Terrace earns an INVESTIGATE rating with HP Score 85/100. Investment score 77/100 reflects strong fundamentals. Crime intensity is low. Walkability is excellent (86/100). 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)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

85/ 100

Strong

Investment Score

77/ 100

High

Crime Score

16/ 100

Moderate

Walkability

86/ 100

Excellent

Transit & Bike

Transit 12Bike 48

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£105,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: £199/mo
Cash on cash: 7.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.26 - 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£113,000

Rent Estimate (pcm)£800

Gross Yield9.14%

1y Growth-

3y Growth+5.9%

5y Growth+3.9%

10y Growth+5.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

-OL13 0EQ

Approval Rate

-12mo

Development

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
2026/0351
Householder: Dormer conversion to the existing loft accommodation (Restrospective).
Pending

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining827 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density1,096 /km²

Owner Occupied79%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

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

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

View All Schools

Comparables

View All

4 Queens Terrace
-
£50k
-
4 Queens Terrace
-
£36k
-
6 Queens Terrace
-
£36k
-
12 Queens Terrace
-
£54k
-

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