20 Spindle Croft, Farnworth, Bolton, BL4 9AN

UPRN:100010928299Semi-Detached House2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band BEPC: C (75)

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

20 Spindle Croft, Farnworth, Bolton, BL4 9AN

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£205,000

£194k - £215kHigh

Estimate

£205k

Range

£194k – £215k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

9.67%

Verdict

Derived from HomePortfolio scores

20 Spindle Croft earns an INVESTIGATE rating with HP Score 79/100. Investment score 69/100 reflects moderate fundamentals. Walkability is good (83/100). 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

79/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

No data

Walkability

83/ 100

High

Transit & Bike

Transit 54Bike 37

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£180,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,400-£1,500

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: £396/mo
Cash on cash: 8.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.39 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£205,000

Rent Estimate (pcm)£1,450

Gross Yield9.67%

1y Growth-23.9%

3y Growth+4.3%

5y Growth+5.7%

10y Growth+6.9%

Last Sold Price£88,000 (2014-11-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BL4 9AN

Approval Rate

-12mo

Development

low

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
01768/26
DEMOLITION OF 4 NO. BUILDINGS AND ERECTION OF 4 NO. APARTMENT BLOCKS COMPRISING OF NO. 49 SELF CONTAINED APARTMENTS (CLASS C3) TOGETHER WITH ACCESS, LANDSCAPING AND CAR PARKING
Pending

View Planning Timeline

Ownership

Corporate Ownership46.3%
Overseas OwnershipNo
Lease Term Remaining762 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2014-11-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,409

Population Density4,200 /km²

Owner Occupied56%

Age Distribution

0-15 20%16-64 63%65+ 17%

View Area Profile

Schools Nearby

St Peter's CofE Primary School
0.2 mi
Report card2025
Ofsted no longer awards a single overall grade.
St Gregory's RC Primary School, A Voluntary Academy
0.3 mi
Good
Grosvenor Nursery School and Day Care Centre
0.3 mi
Outstanding
St John Church of England Primary School, Farnworth
0.3 mi
Inspected as St John CofE Primary School, Kearsley (URN 105241) on 29 Jun 2022

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

View All Schools

Comparables

View All

34 Spindle Croft
-
£310k
-
17 Spindle Croft
-
£169k
-
13 Spindle Croft
-
£98k
-
12 Spindle Croft
-
£175k
-

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