10 St Pauls Street, Ramsbottom, Bury, BL0 9BW

UPRN:100010975906Terrace Property2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: C (71)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

10 St Pauls Street, Ramsbottom, Bury, BL0 9BW

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£228,000

£217k - £239kHigh

Estimate

£228k

Range

£217k – £239k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

6.27%

Verdict

Derived from HomePortfolio scores

10 St Pauls Street earns an INVESTIGATE rating with HP Score 81/100. Investment score 69/100 reflects moderate fundamentals. Walkability is good (82/100). 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 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

No data

Walkability

82/ 100

High

Transit & Bike

Transit 51Bike 27

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£220,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £69,200
Net cash flow: £54/mo
Cash on cash: 0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.55 - 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£228,000

Rent Estimate (pcm)£1,150

Gross Yield6.27%

1y Growth-

3y Growth+4.2%

5y Growth+3.3%

10y Growth+5.2%

Last Sold Price£197,000 (2022-03-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BL0 9BW

Approval Rate

-12mo

Development

low

73800
Application to Part Discharge Condition 9 (Remediation) Garden Validations for Plots 1-7, 13-34 and 36-43 Gas Membrane Validation for Plots 1-43
Pending
73766
Single storey rear extension; Loft conversion; 2no. front gable roof dormers; Rear flat roof dormer
Pending
73725
Lawful Development Certificate for existing use as a 1 Bed Flat (Class C3)
Approved

View Planning Timeline

Ownership

Corporate Ownership76.3%
Overseas OwnershipNo
Lease Term Remaining854 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-03-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density-

Owner Occupied60%

Age Distribution

0-15 15%16-64 57%65+ 28%

View Area Profile

Schools Nearby

Peel Brow School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Andrew's Church of England Primary School, Ramsbottom
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Joseph's Roman Catholic Primary School Ramsbottom, a Voluntary Academy
0.4 mi
Inspected as St Joseph's Roman Catholic Primary School, Ramsbottom (URN 105343) on 14 Nov 2023
Emmanuel Holcombe Church of England Primary School
0.5 mi
GoodConcerns

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

View All Schools

Comparables

View All

34 St Pauls Street
-
£170k
-
7 St Pauls Street
-
£198k
-
23 St Pauls Street
-
£160k
-
10 St Pauls Street
-
£197k
-

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