83 Summerseat Lane, Ramsbottom, Bury, BL0 9RQ

UPRN:100010976485Detached House3 bedsBuilt 1950-1966

LeaseholdCouncil Tax: Band EEPC: C (76)

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

83 Summerseat Lane, Ramsbottom, Bury, BL0 9RQ

HP Score

/ 100

Mixed

Verdict

7 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£511,000

£460k - £562kMedium

Estimate

£511k

Range

£460k – £562k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

3.02%

Verdict

Derived from HomePortfolio scores

83 Summerseat Lane earns an INVESTIGATE rating with HP Score 70/100. Investment score 53/100 reflects moderate fundamentals. Walkability is limited (63/100). 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

70/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

No data

Walkability

63/ 100

Moderate

Transit & Bike

Transit 42Bike 20

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -51.7% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 100010976485· as of 10 Oct 2026
Rental economics0/40
gross yield 3.0%; range width penalty ×0.79
- valuation_snapshotsrent estimate 1950/mo (range 1750-2150)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,966/mo, -101% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 59 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 & liquidity12.8/15
192 sales/12mo in area; valuation range width 20%
- 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

£581,000£891,000

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£775,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,750-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £262,550
Net cash flow: -£1,266/mo
Cash on cash: -5.8%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.75 - 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 100010976485Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 1950/mo (range 1750-2150)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
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 1950/mo (range 1750-2150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 59 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. 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£511,000

Rent Estimate (pcm)£1,950

Gross Yield3.02%

1y Growth-

3y Growth+4.2%

5y Growth+3.3%

10y Growth+5.2%

Last Sold Price£375,000 (2019-09-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BL0 9RQ

Approval Rate

-12mo

Development

low

73819
Loft Conversion With Front/Rear/Side Dormers
Pending
73790
Variation of Conditions 2 (drawings); 10 (birds); 13 (retaining trees); 14 (TPO trees) & 16 (loss of trees) to allow removal of T9, change of house type for Plot 1 to align with plots 2 and 3, amendments to the internal layout of plots 2 and 3, introduction of ground floor, first and second floor side windows for plots 2 and 3.
Pending
73742
Listed Building Consent for Partial repointing; lead lining of existing stone gutter; works to parapet roof of bay window
Pending

View Planning Timeline

Ownership

Corporate Ownership76.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2019-09-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density-

Owner Occupied86%

Age Distribution

0-15 16%16-64 59%65+ 25%

View Area Profile

Schools Nearby

Woodhey High School
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Holcombe Brook Primary School
0.3 mi
Inspected as Holcombe Brook Primary School (URN 105311) on 10 Dec 2024
Greenmount Primary School
0.4 mi
Inspected as Greenmount Primary School (URN 105301) on 17 Dec 2024
Darul Uloom Al Arabiya Al Islamiya
0.5 mi
Good

3 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

91 Summerseat Lane
-
£266k
-
84 Summerseat Lane
-
£500k
-
93 Summerseat Lane
-
£415k
-
77 Summerseat Lane
-
£395k
-

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