20 Cobden Street, Ashton-under-Lyne, OL6 6TQ

UPRN:100011540316Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: C (71)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 3mo ago

20 Cobden Street, Ashton-under-Lyne, OL6 6TQ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£176,000

£167k - £184kHigh

Estimate

£176k

Range

£167k – £184k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

8.09%

Verdict

Derived from HomePortfolio scores

20 Cobden Street earns an INVESTIGATE rating with HP Score 72/100. Investment score 58/100 reflects moderate fundamentals. Walkability is good (70/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

No data

Walkability

70/ 100

High

Transit & Bike

Transit 44Bike 32

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 11 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -1.1% (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 100011540316· as of 9 Nov 2026
Rental economics23.5/40
gross yield 8.1%; range width penalty ×0.95
- valuation_snapshotsrent estimate 1200/mo (range 1150-1300)· as of 9 Nov 2026· verify before relying on this
Stress margin0.1/30
stressed cash flow +1/mo, +0% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 60 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 11 Nov 2026
Risk & liquidity14.7/15
266 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

£133,500£204,500

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£177,950

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,150-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £55,745
Net cash flow: £230/mo
Cash on cash: 5.0%
Score at this price: 38

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.00 - 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 100011540316Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1200/mo (range 1150-1300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1200/mo (range 1150-1300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 60 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£176,000

Rent Estimate (pcm)£1,200

Gross Yield8.09%

1y Growth-

3y Growth+0.9%

5y Growth+4.9%

10y Growth+5.7%

Last Sold Price£105,000 (2019-05-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OL6 6TQ

Approval Rate

-12mo

Development

low

26/00860/FUL
External works to facilitate use of the ground floor and basement as a restaurant (Use Class E) including mechanical extraction and plant. Replacement of single storey flat roof element with enlarged addition. Provision of associated outdoor seating area on adjacent footway. Change of use of first and second floors to provide a 2-bed apartment (Use Class C3)
Pending
26/00843/CLUD
Lawful Development Certificate for Existing Use: Conversion of the property from residential (Use Class C3) to HMO for up to 6 persons (Use Class C4) having been this continuously since April 2025.
Pending
26/00781/FUL
Single storey rear extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership66%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-05-31
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£29,877

Population Density3,192 /km²

Owner Occupied59%

Age Distribution

0-15 19%16-64 65%65+ 16%

View Area Profile

Schools Nearby

Parochial CofE Primary and Nursery School, Ashton-under-Lyne
0.1 mi
Good
Tameside College
0.1 mi
-
The Heys Primary School
0.3 mi
Good
St James' Church of England Primary School
0.3 mi
Inspected as St James CofE Primary School, Ashton-under-Lyne (URN 106231) on 4 Nov 2015

5 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

3 Cobden Street
-
£152k
-
10 Cobden Street
-
£157k
-
20 Cobden Street
-
£105k
-
4 Cobden Street
-
£107k
-

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