37 St Philips Street, Blackburn, BB2 1UT

UPRN:100010761010Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 6mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

37 St Philips Street, Blackburn, BB2 1UT

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

£122,000

£116k - £128kHigh

Estimate

£122k

Range

£116k – £128k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

8.77%

Verdict

Derived from HomePortfolio scores

37 St Philips Street earns an INVESTIGATE rating with HP Score 74/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (75/100). 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

74/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

36/ 100

Elevated

Walkability

75/ 100

High

Transit & Bike

Transit 42Bike 42

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£130,000

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £219/mo
Cash on cash: 6.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.17 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£122,000

Rent Estimate (pcm)£950

Gross Yield8.77%

1y Growth+44.6%

3y Growth+0.7%

5y Growth+1.1%

10y Growth+4.0%

Last Sold Price£70,000 (2017-01-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BB2 1UT

Approval Rate

0%12mo

Development

low

10/26/0524
Discharge statutory biodiversity net gain condition pursuant to planning application 10/26/0145
Pending
10/26/0499
T1 Unknown Dead <10U T3 Silver Birch Dead <10U T4 Sycamore Poor <10U T12 Common Ash Moribund <10U T19 Common Hawthorn Dead <10U T21 Common Ash Poor <10U G6 Unknown Dead <10U G25 Approx 8no Common Ash Moribund/Dead <10U Fell the above
Approved
10/26/0455
Conversion of roof from hip to gable with rear dormer, double storey side extension and single storey rear extension
Pending

View Planning Timeline

Ownership

Corporate Ownership76.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2017-01-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,502

Population Density-

Owner Occupied56%

Age Distribution

0-15 23%16-64 65%65+ 12%

View Area Profile

Schools Nearby

Griffin Park Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Witton Park Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Peter's Roman Catholic Primary School, Blackburn
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Wilfrid's Church of England Academy
0.4 mi
Good

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

View All Schools

Comparables

View All

49 St Philips Street
-
£91k
-
45 St Philips Street
-
£112k
-
39 St Philips Street
-
£75k
-
59 St Philips 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