13 Fernhurst Gate, Aughton, Ormskirk, L39 5ED

UPRN:100010659253Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band EEPC: D (64)

Data freshness:Listing· freshPlanning· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

13 Fernhurst Gate, Aughton, Ormskirk, L39 5ED

HP Score

/ 100

Strong

Verdict

6 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£359,000

£341k - £377kHigh

Estimate

£359k

Range

£341k – £377k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

6.88%

Verdict

Derived from HomePortfolio scores

13 Fernhurst Gate earns an INVESTIGATE rating with HP Score 75/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (36/100). 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

75/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

36/ 100

Mixed

Transit & Bike

Transit 13Bike 47

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 Nov 2026

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

Valuation edge2.5/15
claims [AVM +5.3% (HIGH), sold-comps +16.7%, £/sqft +16.7%] → measured edge +0.50pp 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 12 Oct 2026
- valuation_snapshotsestimate for 100010659253· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.7%· as of 29 Oct 2026
Rental economics14.2/40
gross yield 6.9%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1950/mo (range 1850-2100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -131/mo, -7% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 115 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 2 Nov 2026
Risk & liquidity14.6/15
270 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

£255,000£391,000

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£340,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,850-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £110,300
Net cash flow: £202/mo
Cash on cash: 2.2%
Score at this price: 31

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.70 - 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 100010659253Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 18.7%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 1950/mo (range 1850-2100)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 1950/mo (range 1850-2100)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 115 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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
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£359,000

Rent Estimate (pcm)£1,950

Gross Yield6.88%

1y Growth-

3y Growth+0.3%

5y Growth+2.2%

10y Growth+3.1%

Last Sold Price£282,500 (2018-05-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1L39 5ED

Approval Rate

100%12mo

Development

low

T/2026/0089/TCA
GC1: - Height reduction of 2 x large holly trees (to match the height of adjacent holly) GC1: - Width reduction of 2 x large holly trees (roadside - to allow space for under canopy growthand to keep road clear of growth) GC2: - Crown lift of 1 x large conifer trees (to match height of nearby magnolia to allow more light to get underf canopy) GC3: - Crown lift of 1 x very large lime tree (to remove growth impacting neighbouring roof). GC4: - Removal of 1 x limb from 1 x small sycamore tree GC4: - Re-pollard of 1 x small sycamore tree
Pending
T/2026/0115/TPO
T9 - Remove broken branches & fell.
Conditions
T/2026/0087/TCA
T1 - Sycamore (Acer pseudoplatanus) - Crown clean to remove significant deadwood throughout, sever Ivy at base and remove 300mm band, crown reduction of up to 20% (1.5-2m) to suitable growth points, crown raise to 4.5m. T2 - Sycamore - Same as T1. T3 - Sycamore - Same as T1. REASON: Trees are heavily constrained by Ivy from base to crown preventing inspection and adding wind loading. Moderate deadwood present including hanging branches. Works are good arboricultural management to BS3998:2010, to improve safety, light, and tree health. No felling proposed.
Pending

View Planning Timeline

Ownership

Corporate Ownership77.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-05-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,884

Population Density1,596 /km²

Owner Occupied96%

Age Distribution

0-15 14%16-64 53%65+ 33%

View Area Profile

Schools Nearby

Aughton St Michael's Church of England Primary School
0.2 mi
Good
Aughton Christ Church Church of England Voluntary Controlled Primary School
0.5 mi
Outstanding
Aughton Town Green Primary School
0.6 mi
Good
Pontville School
0.9 mi
Good

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

View All Schools

Comparables

View All

2 Fernhurst Gate
-
£310k
-
18 Fernhurst Gate
-
£295k
-
1 Fernhurst Gate
-
£465k
-
17 Fernhurst Gate
-
£245k
-

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