318 Tottington Road, Bury, BL8 1TA

UPRN:100010978085Terrace Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (67)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£156,000

£149k - £164kHigh

Estimate

£156k

Range

£149k – £164k

Rent Estimate (pcm)

£950

£900 - £1k

Monthly

£950

Yield

7.60%

Verdict

Derived from HomePortfolio scores

318 Tottington Road earns an INVESTIGATE rating with HP Score 69/100. Investment score 50/100 reflects moderate fundamentals. Walkability is limited (61/100). 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 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

69/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

No data

Walkability

61/ 100

Moderate

Transit & Bike

Transit 33Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 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 +3.8% (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 100010978085· as of 12 Oct 2026
Rental economics16/40
gross yield 7.0% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 875/mo (tenanted)· as of 2 Nov 2026
Stress margin0/30
stressed cash flow -120/mo, -14% 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: 15 price cut(s), 400 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 & liquidity14.7/15
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

£112,500£172,500

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£150,000

At the asking price

Monthly rent£950/mo

Evidenced range £900-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £151/mo
Cash on cash: 3.9%
Score at this price: 31

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.88 - 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 100010978085Valuation edge · as of 12 Oct 2026
listing_factscontractual rent 875/mo (tenanted)Rental economics · as of 2 Nov 2026
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
Seller motivation could not be scored
context, not scored: 15 price cut(s), 400 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 →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Ask the agent why the price was reduced and whether a previous sale fell through.
15 price cut(s) recorded on the listing history.
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£156,000

Rent Estimate (pcm)£950

Gross Yield7.60%

1y Growth-

3y Growth-1.1%

5y Growth+1.0%

10y Growth+3.6%

Last Sold Price£105,000 (2019-12-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BL8 1TA

Approval Rate

-12mo

Development

low

73701
Change of use from 5 person HMO (Class C4) to a residential children's home (Class C2), providing accommodation for one child.
Pending
73684
Prior Approval for a single storey rear extension.
Pending
73680
Change of use from Commercial (Class E) into 3 no. 1 bedroom flats (Class C3) with ground floor restaurant/cafe (Class E)
Pending

View Planning Timeline

Ownership

Corporate Ownership68.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-12-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,687

Population Density6,780 /km²

Owner Occupied72%

Age Distribution

0-15 22%16-64 66%65+ 12%

View Area Profile

Schools Nearby

The Elton High School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Elton Community Primary School
0.3 mi
Good
Guardian Angels Roman Catholic Primary School, a Voluntary Academy
0.5 mi
Inspected as Guardian Angels Roman Catholic Primary School, Bury (URN 105334) on 8 Oct 2024
Woodbank Primary School
0.5 mi
Inspected as Woodbank Primary School (URN 105292) on 29 Jan 2020

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

View All Schools

Comparables

View All

364 Tottington Road
-
£195k
-
364 Tottington Road
-
£195k
-
304 Tottington Road
-
£150k
-
330 Tottington Road
-
£93k
-

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