78 Rutherford Drive, Bolton, BL5 1DW

UPRN:100010922752Semi-Detached House3 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band DEPC: C (70)

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£280,000

£224k - £336kLow

Estimate

£280k

Range

£224k – £336k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

5.74%

Verdict

Derived from HomePortfolio scores

78 Rutherford Drive earns an INVESTIGATE rating with HP Score 64/100. Investment score 45/100 reflects below-average fundamentals. Walkability is limited (52/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

45/ 100

Mixed

Crime Score

No data

Walkability

52/ 100

Moderate

Transit & Bike

Transit 23Bike 26

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics5.7/40
gross yield 5.7%; range width penalty ×0.96
- valuation_snapshotsrent estimate 1650/mo (range 1550-1750)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -373/mo, -23% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
299 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£345,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £112,050
Net cash flow: -£22/mo
Cash on cash: -0.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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_snapshotsrent estimate 1650/mo (range 1550-1750)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1650/mo (range 1550-1750)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£280,000

Rent Estimate (pcm)£1,650

Gross Yield5.74%

1y Growth-

3y Growth+1.6%

5y Growth+1.9%

10y Growth+4.1%

Last Sold Price£137,000 (2009-04-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BL5 1DW

Approval Rate

-12mo

Development

low

01852/26
PART A; FELLING OF 1NO.BEECH TREE PART B; PRUNING OF 2NO. BEECH TREES
Pending
01825/26
HIGH HEDGE COMPLAINT FOR EVERGREEN HEDGE
Pending
01759/26
CONVERSION OF GARAGE TO HABITABLE ROOM WITH ERECTION OF FIRST FLOOR SIDE EXTENSION
Pending

View Planning Timeline

Ownership

Corporate Ownership67.8%
Overseas OwnershipNo
Lease Term Remaining835 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2009-04-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,409

Population Density456 /km²

Owner Occupied83%

Age Distribution

0-15 15%16-64 54%65+ 31%

View Area Profile

Schools Nearby

St Andrew's CofE Primary School, Over Hulton
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Rowan Tree Primary School
0.9 mi
Outstanding
Heathfield Primary School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Philip's CofE Primary School, Atherton
1.2 mi
Good

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

View All Schools

Comparables

View All

82 Rutherford Drive
-
£200k
-
131 Rutherford Drive
-
£430k
-
121 Rutherford Drive
-
£255k
-
86 Rutherford Drive
-
£247k
-

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