12 Smith Street, Skelmersdale, WN8 8LN

UPRN:100010685606End Terrace House2 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band AEPC: C (70)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

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

£148,000

£133k - £163kMedium

Estimate

£148k

Range

£133k – £163k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

14.92%

Verdict

Derived from HomePortfolio scores

12 Smith Street earns an INVESTIGATE rating with HP Score 75/100. Investment score 70/100 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

70/ 100

High

Crime Score

33/ 100

Moderate

Walkability

71/ 100

High

Transit & Bike

Transit 17Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +37.5% (MEDIUM)] → measured edge +0.00pp 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 13 Oct 2026
- valuation_snapshotsestimate for 100010685606· as of 13 Oct 2026
Rental economics27.5/40
gross yield 8.4% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 650/mo (tenanted)· as of 4 Nov 2026
Stress margin0/30
stressed cash flow -42/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 4 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 47 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 4 Nov 2026
Risk & liquidity12.8/15
507 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 sensitivity

£74,000£106,500

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£92,500

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £29,050
Net cash flow: £484/mo
Cash on cash: 20.0%
Score at this price: 40

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.68 - 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 100010685606Valuation edge · as of 13 Oct 2026
listing_factscontractual rent 650/mo (tenanted)Rental economics · as of 4 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Seller motivation could not be scored
context, not scored: 2 price cut(s), 47 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 →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
2. 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.
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£148,000

Rent Estimate (pcm)£1,150

Gross Yield14.92%

1y Growth-

3y Growth+0.6%

5y Growth+1.2%

10y Growth+2.2%

Last Sold Price£95,000 (2007-11-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WN8 8LN

Approval Rate

-12mo

Development

low

2026/0831/PNH
Application for determination as to whether prior approval of details is required - Extension of dwellinghouse. Extension extends beyond the rear wall of the original dwellinghouse by 4.8m. Maximum height of the extension 3.56m. Height of eaves of the extension 2.56m.
Pending
2026/0832/FUL
Proposed single-storey rear extension to provide bedroom, wetroom and relocated lounge for a disabled child.
Pending
2026/0810/FUL
Retrospective application for replacement front drive gate, open porch, timber garage, shed, summerhouse and greenhouse.
Pending

View Planning Timeline

Ownership

Corporate Ownership73.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-11-01
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£31,884

Population Density-

Owner Occupied58%

Age Distribution

0-15 13%16-64 63%65+ 24%

View Area Profile

Schools Nearby

St Richard's Catholic Primary School, Skelmersdale
0.0 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Kingsbury Primary Special School
0.3 mi
Outstanding
Brookfield Park Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
West Lancashire Community High School
0.4 mi
Good

4 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 Smith Street
-
£95k
-
18 Smith Street
-
£82k
-
16 Smith Street
-
£54k
-
12 Smith Street
-
£57k
-

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