4 Belle Vue, Lowton, Warrington, WA3 1BN

UPRN:100011740944Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: E (39)

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

4 Belle Vue, Lowton, Warrington, WA3 1BN

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£767,000

£613k - £920kLow

Estimate

£767k

Range

£613k – £920k

Rent Estimate (pcm)

£4,050

£4k - £4k

Monthly

£4,050

Yield

9.26%

Verdict

Derived from HomePortfolio scores

4 Belle Vue earns an INVESTIGATE rating with HP Score 53/100. Investment score 48/100 reflects below-average fundamentals. Walkability is limited (11/100). 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 2021HM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

53/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

No data

Walkability

11/ 100

Low

Transit & Bike

Transit 7Bike 20

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics30.8/40
gross yield 9.3%; range width penalty ×0.90; the estimate this rent rides on sits 32% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 4050/mo (range 3750-4350)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 32% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin15.6/30
stressed cash flow +632/mo, +16% 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 4 Nov 2026
Risk & liquidity9.2/15
520 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£525,000

At the asking price

Monthly rent£4,050/mo

Evidenced range £3,750-£4,350

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: £1,032/mo
Cash on cash: 7.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.29 - 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_snapshotsrent estimate 4050/mo (range 3750-4350)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 32% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 4050/mo (range 3750-4350)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£767,000

Rent Estimate (pcm)£4,050

Gross Yield9.26%

1y Growth-

3y Growth+1.9%

5y Growth+3.1%

10y Growth+5.2%

Last Sold Price£399,950 (2010-09-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2WA3 1BN

Approval Rate

-12mo

Development

low

A/26/101606/CON
Condition Discharge application to discharge Condition No.3 (Hot Tub Water Management and Disposal Scheme) and Condition No.4 (EV Charging) in respsect of approved application A/26/100488/FULL
Pending
A/26/101518/HH
Single storey front extension
Pending
A/26/101487/MAJOR
Demolition of the existing Mossley Hall farm buildings and the construction of a new RSPCA animal welfare campus comprising of clinical veterinary and behavioural facilities, rehabilitation, training and rehoming provision, administration buildings, together with associated access, parking, landscaping, drainage infrastructure, public right of way diversion and all associated works including energy efficiency measures
Pending

View Planning Timeline

Ownership

Corporate Ownership63.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2010-09-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,615

Population Density-

Owner Occupied88%

Age Distribution

0-15 17%16-64 60%65+ 23%

View Area Profile

Schools Nearby

Green Meadow Independent Primary School
0.6 mi
Good
Lowton St Mary's CofE (Voluntary Aided) Primary School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Lowton Junior and Infant School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Lowton Church of England High School
0.9 mi
Good

6 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

4 Belle Vue
-
£400k
-
3 Belle Vue
-
£35k
-
4 Belle Vue
-
£80k
-
3 Belle Vue
-
£48k
-

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