Flat 2, Thorn House, 50 Lache Lane, Chester, CH4 7LR

UPRN:100012348977Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: E (39)

Flat 2, Thorn House, 50 Lache Lane, Chester, CH4 7LR

HP Score

Not available

Verdict

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

Evidence

17 of 21 sources

Sale Estimate

£189,000

£180k - £199kHigh

Estimate

£189k

Range

£180k – £199k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

7.58%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating; it has no HP Score yet. Walkability is limited (19/100). 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 addressWalk 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

No data

Investment Score

No data

Crime Score

No data

Walkability

19/ 100

Low

Transit & Bike

Transit 24Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 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 -0.5% (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 100012348977· as of 9 Nov 2026
Rental economics20.6/40
gross yield 7.6%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1200/mo (range 1150-1250)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -50/mo, -4% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 123 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 4 Nov 2026
Risk & liquidity5.6/15
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

£142,500£218,500

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£190,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,150-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £190/mo
Cash on cash: 3.8%
Score at this price: 26

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.87 - 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 100012348977Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1200/mo (range 1150-1250)Rental economics · as of 9 Nov 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

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 1200/mo (range 1150-1250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 123 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£189,000

Rent Estimate (pcm)£1,200

Gross Yield7.58%

1y Growth-

3y Growth-

5y Growth-

10y Growth-

Last Sold Price£167,500 (2017-02-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceUnknown
RadonUnknown
MiningUnknown
LandslideUnknown
Air QualityUnknown
NoiseUnknown

View Full Risk Report

Planning Activity

Recent Apps

-CH4 7LR

Approval Rate

-12mo

Development

26/03382/TPO
T10 & T11. Lime. Prune all sprouts back to established pollard points.
Pending
26/03220/FUL
Studio/gym, sauna, shed and decking (retrospective)
Pending
26/03221/CAT
Magnolia in the front garden - Crown reduction by approximately 25%, maintaining the natural shape and balanced form of the tree. Removal of dead, damaged and crossing branches where appropriate.
Pending

View Planning Timeline

Ownership

Corporate Ownership-
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-02-15
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,391

Population Density-

Owner Occupied-

Age Distribution

View Area Profile

Schools Nearby

Lache Primary School
0.1 mi
Inspected as Lache Primary School (URN 131350) on 14 May 2024
St Clare's Catholic Primary School
0.2 mi
-
Belgrave Primary School
0.3 mi
Good
Saltney Wood Memorial C.P. School
0.6 mi
-

2 of 7 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Thorn House, 50 Lache Lane
-
£225k
-
34 Lache Lane
-
£783k
-
Thorn House, 50 Lache Lane
-
£72k
-
20 Lache Lane
-
£800k
-

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