3 Whitehead Street, Rossendale, BB4 7RB

UPRN:100010616608Mid Terrace House1 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: D (67)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£179,000

£161k - £196kMedium

Estimate

£179k

Range

£161k – £196k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

10.72%

Verdict

Derived from HomePortfolio scores

3 Whitehead Street earns an INVESTIGATE rating with HP Score 78/100. Investment score 68/100 reflects moderate 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

78/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

81/ 100

High

Transit & Bike

Transit 33Bike 31

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 5 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: the estimate sits 22% above the ask. It ranks after every home whose inputs are verified.

Valuation edge2.3/15
claims [AVM +21.8% (MEDIUM), sold-comps +2.8%, £/sqft +3.0%] → measured edge +0.47pp 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 9 Nov 2026
- valuation_snapshotsestimate for 100010616608· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21%· as of 25 Oct 2026
Rental economics40/40
gross yield 10.7%; range width penalty ×1.00; the estimate this rent rides on sits 22% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1250/mo (range 1200-1300)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin15.9/30
stressed cash flow +198/mo, +16% 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 5 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 5 Nov 2026
Risk & liquidity12.9/15
477 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 £112,000

£105,000£161,000

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£139,950

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,200-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £43,585
Net cash flow: £393/mo
Cash on cash: 10.8%
Score at this price: 71

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.65 - 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 100010616608Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21%Valuation edge · as of 25 Oct 2026
valuation_snapshotsrent estimate 1250/mo (range 1200-1300)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 22% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 1250/mo (range 1200-1300)
Rental economics needs verification before you rely on it
sale estimate 22% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Set your walk-away price before viewing - above £112,000 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£179,000

Rent Estimate (pcm)£1,250

Gross Yield10.72%

1y Growth-41.6%

3y Growth+1.1%

5y Growth+2.4%

10y Growth+3.9%

Last Sold Price£82,500 (2016-02-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB4 7RB

Approval Rate

-12mo

Development

low

2026/0429
The erection of a detached garden outbuilding for purposes incidental to the enjoyment of the existing dwellinghouse.
Pending
2026/0413
Proposed Lawful Development Certificate: Proposed use of the site for burials facilitated by the regrading of the land, installation of burial vaults, the laying of hardstanding to access routes and storage area and the erection of fencing.
Pending
2026/0038/TCA
Works to trees within Cloughfold Conservation Area specifically T1 Ash - Reduce crown by 10-12 feet
Approved

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining856 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2016-02-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density4,150 /km²

Owner Occupied58%

Age Distribution

0-15 20%16-64 61%65+ 19%

View Area Profile

Schools Nearby

St Mary's CofE Primary School Rawtenstall
0.2 mi
-
Rawtenstall St Paul's Church of England Primary School
0.2 mi
Good
Alder Grange School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St James-the-Less Roman Catholic Primary School, Rawtenstall
0.3 mi
Good

4 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

9 Whitehead Street
-
£135k
-
8 Whitehead Street
-
£73k
-
13 Whitehead Street
-
£125k
-
1 Whitehead Street
-
£121k
-

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