187 Harrowby Street, Farnworth, Bolton, BL4 7DF

UPRN:100010885319Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: C (72)

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

187 Harrowby Street, Farnworth, Bolton, BL4 7DF

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£184,000

£175k - £193kHigh

Estimate

£184k

Range

£175k – £193k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

7.78%

Verdict

Derived from HomePortfolio scores

187 Harrowby Street earns an INVESTIGATE rating with HP Score 70/100. Investment score 59/100 reflects moderate fundamentals. Walkability is limited (62/100). 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

No data

Walkability

62/ 100

Moderate

Transit & Bike

Transit 49Bike 28

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 12 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 -0.5% (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 10 Nov 2026
- valuation_snapshotsestimate for 100010885319· as of 10 Nov 2026
Rental economics21.2/40
gross yield 7.8%; range width penalty ×0.95
- valuation_snapshotsrent estimate 1200/mo (range 1100-1250)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -28/mo, -2% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 81 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 12 Nov 2026
Risk & liquidity14.7/15
336 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

£139,000£212,500

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£185,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £58,000
Net cash flow: £206/mo
Cash on cash: 4.3%
Score at this price: 36

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.92 - 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 100010885319Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1200/mo (range 1100-1250)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 1200/mo (range 1100-1250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 81 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. 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£184,000

Rent Estimate (pcm)£1,200

Gross Yield7.78%

1y Growth+31.2%

3y Growth+4.3%

5y Growth+5.7%

10y Growth+6.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BL4 7DF

Approval Rate

-12mo

Development

low

01896/26
ALTERATIONS TO EXISTING FRONT PORCH TOGETHER WITH ERECTION OF PART SINGLE/PART TWO STOREY REAR EXTENSION
Pending
01788/26
CHANGE OF USE FROM RETAIL WITH FIRST FLOOR APARTMENT TO 4 NO. BEDROOM HMO (CLASS C4) FOR 4 NO. OCCUPANTS
Pending
01797/26
REMOVAL OF ROOF MOUNTED EXTRACT DUCTWORK AND INSTALLATION OF 1 NO. AIR HANDLING UNIT (AHU) TOGETHER WITH DUCTING AND ACOUSTIC FENCING
Pending

View Planning Timeline

Ownership

Corporate Ownership46.3%
Overseas OwnershipNo
Lease Term Remaining880 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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£29,409

Population Density4,954 /km²

Owner Occupied47%

Age Distribution

0-15 18%16-64 63%65+ 19%

View Area Profile

Schools Nearby

The Ferns Primary Academy
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Harper Green School
0.2 mi
Good
Queensbridge Primary School
0.2 mi
Good
St James CofE Primary School, Farnworth
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

189 Harrowby Street
-
£175k
-
147 Harrowby Street
-
£115k
-
163 Harrowby Street
-
£152k
-
191 Harrowby Street
-
£180k
-

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