41 North Church Street, Fleetwood, FY7 6AX

UPRN:100010700962End Terrace House2 bedsBuilt -

LeaseholdCouncil Tax: Band AEPC: -

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

41 North Church Street, Fleetwood, FY7 6AX

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£90,000

£85k - £94kHigh

Estimate

£90k

Range

£85k – £94k

Rent Estimate (pcm)

£600

£550 - £600

Monthly

£600

Yield

8.00%

Verdict

Derived from HomePortfolio scores

41 North Church Street earns an INVESTIGATE rating with HP Score 74/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Walkability is excellent (93/100). 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 SourcesPortal 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

74/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

33/ 100

Moderate

Walkability

93/ 100

Excellent

Transit & Bike

Transit 43Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 2 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: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +0.1% (HIGH)] → 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100010700962· as of 9 Oct 2026
Rental economics24/40
gross yield 8.0%; range width penalty ×1.00
- valuation_snapshotsrent estimate 600/mo (range 550-600)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -68/mo, -11% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 159 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
283 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

£67,500£103,500

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£89,950

At the asking price

Monthly rent£600/mo

Evidenced range £550-£600

Interest rate5.4%

Loan to value75%

Cash required: £28,286
Net cash flow: £112/mo
Cash on cash: 4.7%
Score at this price: 39

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - 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 100010700962Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 600/mo (range 550-600)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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
Rental economics needs verification before you rely on it
rent estimate 600/mo (range 550-600)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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.
1 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£90,000

Rent Estimate (pcm)£600

Gross Yield8.00%

1y Growth-

3y Growth+3.0%

5y Growth+2.4%

10y Growth+2.3%

Last Sold Price£42,000 (2001-11-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0FY7 6AX

Approval Rate

-12mo

Development

low

26/00910/FUL
Single storey rear and side extension
Pending
26/00845/TELNOT
Telecommunications notification for installation of Fibre Cabinet.
Rejected
26/00780/FUL
Change of use of six existing holiday flats to one dwellinghouse, including external alterations comprising the demolition of an existing single storey rear extension, reconstruction of the external wall with rendered finish, installation of bi-fold doors, blocking up of existing openings, and alteration of an existing window opening.
Pending

View Planning Timeline

Ownership

Corporate Ownership69.6%
Overseas OwnershipNo
Lease Term Remaining855 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2001-11-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,814

Population Density11,626 /km²

Owner Occupied49%

Age Distribution

0-15 18%16-64 66%65+ 16%

View Area Profile

Schools Nearby

St. Mary's Catholic Primary School, Fleetwood
0.2 mi
Inspected as St Mary's Catholic Primary School, Fleetwood (URN 119623) on 12 May 2023
Fleetwood Chaucer Community Primary School
0.4 mi
Good
Shakespeare Primary School
0.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Wulstan's and St Edmund's Catholic Academy
1.0 mi
Area grades2025
Inspected after Ofsted withdrew the 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

31 North Church Street
-
£95k
-
40 North Church Street
-
£70k
-
35 North Church Street
-
£103k
-
6 North Church Street
-
£65k
-

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