48 Elmwood Drive, Thornton-Cleveleys, FY5 4NE

UPRN:100010720983Bungalow Property2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band BEPC: D (64)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

48 Elmwood Drive, Thornton-Cleveleys, FY5 4NE

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£154,000

£147k - £162kHigh

Estimate

£154k

Range

£147k – £162k

Rent Estimate (pcm)

£750

£700 - £800

Monthly

£750

Yield

6.00%

Verdict

Derived from HomePortfolio scores

48 Elmwood Drive earns an INVESTIGATE rating with HP Score 69/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (66/100). 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 NationsMarket 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

69/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

40/ 100

Elevated

Walkability

66/ 100

Moderate

Transit & Bike

Transit 33Bike 32

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 10 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 +2.6% (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 Nov 2026
- valuation_snapshotsestimate for 100010720983· as of 9 Nov 2026
Rental economics7.5/40
gross yield 6.0%; range width penalty ×0.93
- valuation_snapshotsrent estimate 750/mo (range 700-800)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -212/mo, -28% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 388 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 10 Nov 2026
Risk & liquidity14.7/15
637 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

£112,500£172,500

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£150,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£800

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £13/mo
Cash on cash: 0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 100010720983Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 750/mo (range 700-800)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 750/mo (range 700-800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 388 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. 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£154,000

Rent Estimate (pcm)£750

Gross Yield6.00%

1y Growth-

3y Growth+1.5%

5y Growth+3.1%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0FY5 4NE

Approval Rate

-12mo

Development

low

26/00917/FUL
Single Storey Side and Rear Extension
Pending
26/00905/HPN
Single storey rear extension - the enlarged part of the dwellinghouse. The extension will extend beyond the rear wall of the original dwellinghouse by 4.00 metres. The maximum height of the enlarged part of the dwellinghouse will be 3.77 metres. The height of the eaves of the enlarged part of the dwellinghouse will be 2.84 metres.
Pending
26/00904/FUL
Erection of a single-storey side extension, first-floor side and front extensions and a two-storey rear extension, following partial demolition of existing structures, together with alterations to the front entrance, removal of the existing canopy, installation of rooflights and alterations to windows, doors and external finishes
Pending

View Planning Timeline

Ownership

Corporate Ownership78.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,814

Population Density2,514 /km²

Owner Occupied77%

Age Distribution

0-15 15%16-64 56%65+ 29%

View Area Profile

Schools Nearby

Thornton Cleveleys Baines Endowed Voluntary Controlled Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Millfield School
0.5 mi
Good
Stanah Primary School
0.5 mi
Good
Great Arley School
0.5 mi
Good

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

View All Schools

Comparables

View All

45 Elmwood Drive
-
£151k
-
19 Elmwood Drive
-
£131k
-
2 Elmwood Drive
-
£135k
-
62 Elmwood Drive
-
£199k
-

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