115 Hill Cot Road, Bolton, BL1 8RW

UPRN:100010889309Bungalow Property2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band CEPC: B (87)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

2 days ago

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

18 of 21 sources

Sale Estimate

£190,000

£181k - £200kHigh

Estimate

£190k

Range

£181k – £200k

Rent Estimate (pcm)

£900

£850 - £1k

Monthly

£900

Yield

4.50%

Verdict

Derived from HomePortfolio scores

115 Hill Cot Road earns an AVOID rating with HP Score 71/100. Investment score 60/100 reflects moderate fundamentals. Walkability is limited (55/100). 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)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

71/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

No data

Walkability

55/ 100

Moderate

Transit & Bike

Transit 30Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-1.6/15
claims [AVM -26.3% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100010889309· as of 12 Oct 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.87
- valuation_snapshotsrent estimate 900/mo (range 850-1000)· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -481/mo, -53% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 53 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
638 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

£180,000£276,000

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£240,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: -£187/mo
Cash on cash: -3.0%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - below 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 100010889309Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-1000)Rental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 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

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 900/mo (range 850-1000)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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£190,000

Rent Estimate (pcm)£900

Gross Yield4.50%

1y Growth+30.7%

3y Growth+4.7%

5y Growth+4.3%

10y Growth+3.3%

Last Sold Price£75,000 (2000-09-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BL1 8RW

Approval Rate

-12mo

Development

low

01994/26
PART A: PRUNE 3 NO. LIME, 1 NO. HORNBEAM AND SYCAMORE PART B: FELL 1 NO. MAPLE
Pending
01976/26
ERECTION OF SINGLE STOREY OUTBUILDING TO PROVIDE ANCILLARY STAFF ACCOMMODATION FOR THE EXISTING DENTAL PRACTICE
Pending
01974/26
FELL 1 NO. SYCAMORE
Pending

View Planning Timeline

Ownership

Corporate Ownership44.3%
Overseas OwnershipNo
Lease Term Remaining10 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2000-09-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,409

Population Density-

Owner Occupied89%

Age Distribution

0-15 20%16-64 55%65+ 25%

View Area Profile

Schools Nearby

Sharples School
0.0 mi
Inspected as Sharples School Science Specialist College (URN 105259) on 10 Sep 2013
Sharples Primary School
0.1 mi
-
The Oaks Primary School
0.2 mi
Good
High Lawn Primary School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

127 Hill Cot Road
-
£205k
-
111 Hill Cot Road
-
£370k
-
111 Hill Cot Road
-
£370k
-
119 Hill Cot Road
-
£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