10–12 Ramsbottom Road, Hawkshaw, Bury, BL8 4JS

UPRN:100010971885Detached Bungalow4 bedsBuilt before 1900

FreeholdCouncil Tax: Band GEPC: C (71)

Data freshness:Listing· freshPrice Paid· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

10–12 Ramsbottom Road, Hawkshaw, Bury, BL8 4JS

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£992,000

£942k - £1.04MHigh

Estimate

£992k

Range

£942k – £1.04M

Rent Estimate (pcm)

£3,750

£3k - £4k

Monthly

£3,750

Yield

4.74%

Verdict

Derived from HomePortfolio scores

10–12 Ramsbottom Road earns an INVESTIGATE rating with HP Score 59/100. Investment score 47/100 reflects below-average fundamentals. Walkability is limited (31/100). 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

59/ 100

Mixed

Investment Score

47/ 100

Mixed

Crime Score

No data

Walkability

31/ 100

Mixed

Transit & Bike

Transit 14Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 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 +4.2% (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 12 Oct 2026
- valuation_snapshotsestimate for 100010971885· as of 12 Oct 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.77
- valuation_snapshotsrent estimate 3750/mo (range 3350-4150)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,382/mo, -37% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 176 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 3 Nov 2026
Risk & liquidity14.6/15
412 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

£712,500£1,092,500

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£950,000

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,350-£4,150

Interest rate5.4%

Loan to value75%

Cash required: £325,050
Net cash flow: -£610/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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 100010971885Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 3750/mo (range 3350-4150)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 3750/mo (range 3350-4150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 176 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. 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£992,000

Rent Estimate (pcm)£3,750

Gross Yield4.74%

1y Growth-36.4%

3y Growth-1.1%

5y Growth+1.0%

10y Growth+3.6%

Last Sold Price£212,000 (1998-10-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3BL8 4JS

Approval Rate

-12mo

Development

low

73755
Application for permission in principle for the erection of up to 2 dwellings
Pending
73682
Lawful development certificate for proposed single storey rear extension & 2 juliet balconies in exisitng openings to rear
Approved
73445
Variation of condition 2 (approved plans) of planning permission 71134 (Demolition of garage and shed and erection of single storey side and rear extensions with white render; new glazed entrance; first floor balcony at rear with balustrade at sides/rear; privacy screen at side and first floor window to side elevation); Removal of window to front elevation
Conditions

View Planning Timeline

Ownership

Corporate Ownership68.1%
Overseas OwnershipNo
Lease Term Remaining797 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1998-10-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density-

Owner Occupied90%

Age Distribution

0-15 14%16-64 55%65+ 31%

View Area Profile

Schools Nearby

St Mary's Church of England Primary School, Hawkshaw
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Turton and Edgworth CofE/Methodist Primary School
1.0 mi
Inspected as Turton and Edgworth CofE/Methodist Controlled Primary School (URN 119408) on 18 Nov 2025
Holly Mount Roman Catholic Primary School, Bury
1.3 mi
Good
Greenmount Primary School
1.6 mi
Inspected as Greenmount Primary School (URN 105301) on 17 Dec 2024

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

View All Schools

Comparables

View All

18 Ramsbottom Road
-
£210k
-
14 Ramsbottom Road
-
£330k
-
73 Ramsbottom Road
-
£282k
-
62 Ramsbottom Road
-
£250k
-

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