The Giddings, Blackburn Road, Higher Wheelton, Chorley, PR6 8JA

UPRN:100012383678Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band GEPC: -

Data freshness:Listing· freshPlanning· 3mo agoCrime· freshAmenities· 7mo agoArea· Census 2021

The Giddings, Blackburn Road, Higher Wheelton, Chorley, PR6 8JA

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

16 of 20 sources

Sale Estimate

£945,000

£898k - £992kHigh

Estimate

£945k

Range

£898k – £992k

Rent Estimate (pcm)

£3,600

£3k - £4k

Monthly

£3,600

Yield

4.80%

Verdict

Derived from HomePortfolio scores

The Giddings earns an INVESTIGATE rating with HP Score 68/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (21/100). 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 SourcesPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)Defra 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOpenStreetMapOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

21/ 100

Low

Transit & Bike

Transit 6Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 17 Oct 2026

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

Valuation edge0/15
claims [AVM +4.8% (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 10 Oct 2026
- valuation_snapshotsestimate for 100012383678· as of 10 Oct 2026
Rental economics0/40
gross yield 4.8%; range width penalty ×0.78
- valuation_snapshotsrent estimate 3600/mo (range 3250-4000)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,281/mo, -36% 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 17 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 84 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 17 Oct 2026
Risk & liquidity14.6/15
388 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

£675,000£1,035,000

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£899,995

At the asking price

Monthly rent£3,600/mo

Evidenced range £3,250-£4,000

Interest rate5.4%

Loan to value75%

Cash required: £306,299
Net cash flow: -£545/mo
Cash on cash: -2.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.19 - 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 100012383678Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 3600/mo (range 3250-4000)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 17 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 17 Oct 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 3600/mo (range 3250-4000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 84 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. 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£945,000

Rent Estimate (pcm)£3,600

Gross Yield4.80%

1y Growth-

3y Growth+4.3%

5y Growth+4.5%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PR6 8JA

Approval Rate

-12mo

Development

low

26/00887/DIS
Application to discharge condition no. 12 (SAP Assessment) of planning permission ref: 20/00017/FUL (Demolition of existing building and the erection of a dwellinghouse)
Pending
26/00885/DIS
Application to discharge condition no. 3 (material samples) of planning permission ref: 24/01023/FULHH (Erection of garage, to be attached to neighbour's existing garage) External walling material: Reclaimed natural stone salvaged from the existing property during previous renovation works. The stone will be reused for the external elevations of the approved garage and has been selected to match the existing dwelling in character, colour and appearance. Proposed Roofing Material: The approved garage incorporates a flat roof, for which we propose to use a Firestone EPDM rubber roofing membrane system or an equivalent system. This will provide a durable, low-profile finish suitable for the flat-roof construction and will have minimal visual impact on the development's appearance. We trust the information provided above, together with the supporting photographs and manufacturer???s information attached, is sufficient to satisfy the requirements of Condition 3. We would be grateful if you could review the details and confirm in writing that the condition has been discharged, or advise if any further information is required. We look forward to receiving your confirmation.
Pending
26/00863/PNOT
Notice of intent to carry out urgent tree works in response to Section 154 Notice under the Highways Act 1980.
Approved

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