77 Harwood Vale, Bolton, BL2 3QX

UPRN:100010885516End Terrace House3 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band BEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Location map - no listing photos available

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£238,000

£214k - £261kMedium

Estimate

£238k

Range

£214k – £261k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

8.03%

Verdict

Derived from HomePortfolio scores

77 Harwood Vale earns an INVESTIGATE rating with HP Score 58/100. Investment score 48/100 reflects below-average fundamentals. Walkability is limited (25/100). 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 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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

No data

Walkability

25/ 100

Low

Transit & Bike

Transit 19Bike 30

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 5 Nov 2026

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

Valuation edge0/15
claims [AVM -0.4% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100010885516· as of 9 Oct 2026
Rental economics24.3/40
gross yield 8.0%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1600/mo (range 1550-1700)· as of 9 Oct 2026· verify before relying on this
Stress margin2.4/30
stressed cash flow +38/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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 58 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 5 Nov 2026
Risk & liquidity12.9/15
450 sales/12mo in area; valuation range width 20%
- 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 £185,000

£179,000£275,000

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£239,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,550-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £75,280
Net cash flow: £301/mo
Cash on cash: 4.8%
Score at this price: 40

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 100010885516Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1550-1700)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 1600/mo (range 1550-1700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 58 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. Set your walk-away price before viewing - above £185,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£238,000

Rent Estimate (pcm)£1,600

Gross Yield8.03%

1y Growth-4.0%

3y Growth+5.0%

5y Growth+5.6%

10y Growth+4.9%

Last Sold Price£145,000 (2026-07-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0BL2 3QX

Approval Rate

-12mo

Development

low

01953/26
INSTALLATION OF ENERGY STORAGE SYSTEM TOGETHER WITH FENCING.
Pending
01826/26
CERTIFICATE OF LAWFUL DEVELOPMENT (S192) FOR PROPOSED ADDITIONAL USE OF PROPERTY (CLASS C3) FOR PRIVATE HIRE SINGLE OPERATOR TAXI BASE FOR 1-2 VEHICLES
Pending
01807/26
PRUNING OF 1 NO. LIME
Pending

View Planning Timeline

Ownership

Corporate Ownership60.1%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2026-07-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

30 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,409

Population Density1,655 /km²

Owner Occupied80%

Age Distribution

0-15 13%16-64 57%65+ 30%

View Area Profile

Schools Nearby

Bolton St Catherine's Academy
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Firwood High School
0.4 mi
Good
Harwood Meadows Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hardy Mill Primary School
0.5 mi
-

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

77 Harwood Vale
-
£145k
-
64 Harwood Vale
-
£210k
-
45 Harwood Vale
-
£213k
-
49 Harwood Vale
-
£225k
-

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