522 Liverpool Road, Rufford, Ormskirk, L40 1SQ

UPRN:100010661668-Beds -Built 1930-1949

FreeholdCouncil Tax: Band CEPC: E (49)

Data freshness:Listing· freshPlanning· 2mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

522 Liverpool Road, Rufford, Ormskirk, L40 1SQ

HP Score

/ 100

Mixed

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

20 of 21 sources

Sale Estimate

£385,000

£308k - £462kLow

Estimate

£385k

Range

£308k – £462k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

3.86%

Verdict

Derived from HomePortfolio scores

522 Liverpool Road earns an INVESTIGATE rating with HP Score 63/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (16/100). 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

63/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

16/ 100

Low

Transit & Bike

Transit 3Bike 26

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.9%; range width penalty ×0.84
- valuation_snapshotsrent estimate 1400/mo (range 1250-1500)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -936/mo, -67% 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 11 Nov 2026
Risk & liquidity9.2/15
225 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£435,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,250-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £143,550
Net cash flow: -£499/mo
Cash on cash: -4.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.95 - below 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_snapshotsrent estimate 1400/mo (range 1250-1500)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1400/mo (range 1250-1500)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£385,000

Rent Estimate (pcm)£1,400

Gross Yield3.86%

1y Growth-

3y Growth+0.3%

5y Growth+0.3%

10y Growth+4.3%

Last Sold Price£250,000 (2021-05-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1L40 1SQ

Approval Rate

-12mo

Development

low

T/2026/0113/TPO
Fused Oak N1 & Silver Birch N2 - Fell.
Pending
2026/0725/LDC
Certificate of Lawfulness - B2 and B8 Use.
Pending
T/2026/0077/TPO
M1 - Oak & M2 - Oak - Removal and felling.
Conditions

View Planning Timeline

Ownership

Corporate Ownership72.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-05-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,884

Population Density171 /km²

Owner Occupied86%

Age Distribution

0-15 14%16-64 58%65+ 28%

View Area Profile

Schools Nearby

Rufford CofE School
1.3 mi
Good
Holmeswood Methodist School
1.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Tarleton Holy Trinity CofE Primary School
1.8 mi
Good
Bretherton Endowed Church of England Voluntary Aided Primary School
2.3 mi
Good

6 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

512 Liverpool Road
-
£525k
-
516 Liverpool Road
-
£211k
-
The Gables, 522 Liverpool Road
-
£250k
-
520 Liverpool Road
-
£432k
-

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