658 Manchester Road, Westhoughton, Bolton, BL5 3JD

UPRN:100010903168End Terrace House3 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (67)

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

658 Manchester Road, Westhoughton, Bolton, BL5 3JD

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

£215,000

£204k - £225kHigh

Estimate

£215k

Range

£204k – £225k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

7.81%

Verdict

Derived from HomePortfolio scores

658 Manchester Road earns an INVESTIGATE rating with HP Score 58/100. Investment score 51/100 reflects moderate fundamentals. Walkability is limited (26/100). 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

51/ 100

Moderate

Crime Score

No data

Walkability

26/ 100

Low

Transit & Bike

Transit 15Bike 32

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing 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 +0.0% (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 100010903168· as of 10 Nov 2026
Rental economics22.2/40
gross yield 7.8%; range width penalty ×0.99
- valuation_snapshotsrent estimate 1400/mo (range 1350-1500)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -8/mo, -1% 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), 111 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
299 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 sensitivityScores 70+ up to £161,000

£161,000£247,000

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£215,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,350-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £67,600
Net cash flow: £244/mo
Cash on cash: 4.3%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.93 - 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 100010903168Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1400/mo (range 1350-1500)Rental economics · as of 10 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 1400/mo (range 1350-1500)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 111 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 £161,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£215,000

Rent Estimate (pcm)£1,400

Gross Yield7.81%

1y Growth-20.0%

3y Growth+1.6%

5y Growth+1.9%

10y Growth+4.1%

Last Sold Price£86,000 (2018-12-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BL5 3JD

Approval Rate

-12mo

Development

low

01852/26
PART A; FELLING OF 1NO.BEECH TREE PART B; PRUNING OF 2NO. BEECH TREES
Pending
01834/26
ERECTION OF SINGLE STOREY REAR EXTENSION TOGETHER WITH INSTALLATION OF RAISED DECKING AND BALUSTRADES
Pending
01737/26
NON-MATERIAL AMENDMENT TO APPLICATION 94696/15 TO AMEND WORDING OF CONDITION 25 (APPROVED PLANS) TO PROVIDE REVISED GATES TO PARKING COURTS TO PLOTS 25, 26, 56, 57, 99, 100, 221, 222, AND PEDESTRIAN GATE TO PLOT 55
Approved

View Planning Timeline

Ownership

Corporate Ownership67.7%
Overseas OwnershipNo
Lease Term Remaining873 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2018-12-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,409

Population Density1,415 /km²

Owner Occupied79%

Age Distribution

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

View Area Profile

Schools Nearby

St Thomas CofE Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Sacred Heart Roman Catholic Primary School
0.9 mi
Outstanding
Woodland Primary Academy
1.0 mi
Inspected as Washacre Primary School (URN 105199) on 21 Jan 2020
The Gates Primary School
1.1 mi
Good

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

View All Schools

Comparables

View All

652 Manchester Road
-
£130k
-
666 Manchester Road
-
£200k
-
616 Manchester Road
-
£250k
-
648 Manchester Road
-
£95k
-

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