89 The Esplanade, Fleetwood, FY7 7BQ

UPRN:100010703276Terrace Property4 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band DEPC: E (49)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo 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

17 of 21 sources

Sale Estimate

£259,000

£246k - £272kHigh

Estimate

£259k

Range

£246k – £272k

Rent Estimate (pcm)

£1,700

£2k - £2k

Monthly

£1,700

Yield

7.88%

Verdict

Derived from HomePortfolio scores

89 The Esplanade earns an INVESTIGATE rating with HP Score 82/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (83/100). 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)Defra 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

82/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

83/ 100

High

Transit & Bike

Transit 21Bike 40

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +0.0% (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 12 Oct 2026
- valuation_snapshotsestimate for 100010703276· as of 12 Oct 2026
Rental economics23/40
gross yield 7.9%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1700/mo (range 1600-1750)· as of 12 Oct 2026· verify before relying on this
Stress margin1.6/30
stressed cash flow +27/mo, +2% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 5 price cut(s), 436 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 sensitivityScores 70+ up to £200,500

£194,000£298,000

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£259,000

At the asking price

Monthly rent£1,700/mo

Evidenced range £1,600-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £81,950
Net cash flow: £303/mo
Cash on cash: 4.4%
Score at this price: 39

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.94 - 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 100010703276Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1700/mo (range 1600-1750)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1700/mo (range 1600-1750)
Seller motivation could not be scored
context, not scored: 5 price cut(s), 436 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.
5 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £200,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£259,000

Rent Estimate (pcm)£1,700

Gross Yield7.88%

1y Growth-

3y Growth+3.0%

5y Growth+2.4%

10y Growth+2.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0FY7 7BQ

Approval Rate

-12mo

Development

low

26/00894/FUL
Erection of a single-storey side and rear extension and alterations to the existing front-facing balcony, including installation of a frameless glazed balustrade, together with associated alterations to all elevations
Pending
26/00845/TELNOT
Telecommunications notification for installation of Fibre Cabinet.
Rejected
26/00681/FUL
Installation of External wall insulation (EWI) to the rear and side elevations, with two associated extract ventilation grilles, an Air Source Heat Pump (ASHP) to the rear elevation, Internal wall insulation (IWI) to the interior face of the front elevation and six solar panels to the rear pitch of the main roof.
Pending

View Planning Timeline

Ownership

Corporate Ownership69.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,814

Population Density-

Owner Occupied80%

Age Distribution

0-15 18%16-64 57%65+ 25%

View Area Profile

Schools Nearby

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

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

88 The Esplanade
-
£395k
-
87 The Esplanade
-
£190k
-
88 The Esplanade
-
£210k
-
85 The Esplanade
-
£220k
-

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