463 Rochdale Road, Bacup, OL13 9SE

UPRN:100010598722Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: B (81)

Data freshness:Ownership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 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

18 of 21 sources

Sale Estimate

£149,000

£141k - £156kHigh

Estimate

£149k

Range

£141k – £156k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

8.40%

Verdict

Derived from HomePortfolio scores

463 Rochdale Road earns an INVESTIGATE rating with HP Score 79/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (71/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

72/ 100

High

Crime Score

22/ 100

Moderate

Walkability

71/ 100

High

Transit & Bike

Transit 12Bike 45

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£149,995

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £46,799
Net cash flow: £221/mo
Cash on cash: 5.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.07 - 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£149,000

Rent Estimate (pcm)£1,050

Gross Yield8.40%

1y Growth-

3y Growth+5.9%

5y Growth+3.9%

10y Growth+5.0%

Last Sold Price£66,000 (2017-12-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

-OL13 9SE

Approval Rate

-12mo

Development

2026/0234
Rear single-storey extension
Approved
2026/0127
Proposed change of use to children's home for one child with carer accommodation (Use Class C2)
Approved
2026/0122
Change of use and conversion of 2 agricultural buildings to form 2 dwellings including the raising of a roof and the addition of a minor extension (amended Location Plan)
Conditions

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-12-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density-

Owner Occupied82%

Age Distribution

0-15 22%16-64 65%65+ 13%

View Area Profile

Schools Nearby

Britannia Community Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bacup St Saviour's Community Primary School
0.9 mi
Good
St John With St Michael Church of England Primary School
0.9 mi
Good
St Mary's Roman Catholic Primary School, a Voluntary Academy
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

471 Rochdale Road
-
£150k
-
469 Rochdale Road
-
£125k
-
465 Rochdale Road
-
£48k
-
463 Rochdale Road
-
£66k
-

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