550 Wigan Road, Westhoughton, Bolton, BL5 2BX

UPRN:100010942161Terrace Property3 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band BEPC: E (53)

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

550 Wigan Road, Westhoughton, Bolton, BL5 2BX

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£185,000

£175k - £194kHigh

Estimate

£185k

Range

£175k – £194k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

7.78%

Verdict

Derived from HomePortfolio scores

550 Wigan Road earns an INVESTIGATE rating with HP Score 67/100. Investment score 47/100 reflects below-average fundamentals. Walkability is limited (66/100). 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 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

67/ 100

Mixed

Investment Score

47/ 100

Mixed

Crime Score

No data

Walkability

66/ 100

Moderate

Transit & Bike

Transit 14Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 2 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

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 9 Nov 2026
- valuation_snapshotsestimate for 100010942161· as of 9 Nov 2026
Rental economics22.3/40
gross yield 7.8%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1200/mo (range 1150-1250)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -28/mo, -2% 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 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 90 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
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 sensitivity

£139,000£212,500

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£185,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,150-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £58,000
Net cash flow: £206/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): 1.92 - 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 100010942161Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1200/mo (range 1150-1250)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 1200/mo (range 1150-1250)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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.
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£185,000

Rent Estimate (pcm)£1,200

Gross Yield7.78%

1y Growth-36.0%

3y Growth+1.6%

5y Growth+1.9%

10y Growth+4.1%

Last Sold Price£161,000 (2022-10-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BL5 2BX

Approval Rate

-12mo

Development

low

01719/26
APPLICATION FOR PERMISSION IN PRINCIPLE FOR ERECTION OF 9 NO. DWELLINGS
Approved
01696/26
ERECTION OF PORCH TOGETHER WITH CONVERSION OF GARAGE INTO HABITABLE ROOM
Conditions
01636/26
VARIATION OF CONDITION 1 (APPROVED PLANS) HOUSE TYPE B PLOT 6 ONLY, PLOT 8 HOUSE TYPE B, PLOT 9 HOUSE TYPE C, PLOT 10 HOUSE TYPE ON APPLICATION 18950/24
Pending

View Planning Timeline

Ownership

Corporate Ownership67.8%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-10-03
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

28 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,409

Population Density786 /km²

Owner Occupied89%

Age Distribution

0-15 18%16-64 66%65+ 16%

View Area Profile

Schools Nearby

St George's CofE Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Castle Hill St Philip's CofE Primary School
0.7 mi
Good
Oakfield High School and College
0.8 mi
Outstanding
Outwood Academy Hindley
0.9 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

5 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

504 Wigan Road
-
£198k
-
478 Wigan Road
-
£100k
-
524 Wigan Road
-
£100k
-
506 Wigan Road
-
£146k
-

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