10 Whitegate Court, 195 Whitegate Drive, Blackpool, FY3 9EW

UPRN:100012430278Flat/Maisonette2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: -EPC: C (77)

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

10 Whitegate Court, 195 Whitegate Drive, Blackpool, FY3 9EW

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£110,000

£99k - £121kMedium

Estimate

£110k

Range

£99k – £121k

Rent Estimate (pcm)

£750

£700 - £750

Monthly

£750

Yield

7.20%

Verdict

Derived from HomePortfolio scores

10 Whitegate Court earns an INVESTIGATE rating with HP Score 76/100. Investment score 73/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (78/100). 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 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

73/ 100

High

Crime Score

34/ 100

Moderate

Walkability

78/ 100

High

Transit & Bike

Transit 26Bike 60

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 edge-0.6/15
claims [AVM -13.6% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 100012430278· as of 9 Oct 2026
Rental economics17.6/40
gross yield 7.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 750/mo (range 700-750)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -106/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: 0 price cut(s), 30 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 & liquidity12.8/15
388 sales/12mo in area; valuation range width 20%
- 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

£94,000£144,000

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£125,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£750

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: £97/mo
Cash on cash: 3.0%
Score at this price: 30

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.78 - 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 100012430278Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-750)Rental economics · as of 9 Oct 2026 · verify before relying on this
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
Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 30 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£110,000

Rent Estimate (pcm)£750

Gross Yield7.20%

1y Growth+23.8%

3y Growth+2.6%

5y Growth+2.4%

10y Growth+2.0%

Last Sold Price£100,000 (2021-12-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0FY3 9EW

Approval Rate

-12mo

Development

low

26/0486
Erection of a single storey rear extension following demolition of the existing conservatory
Pending
26/0441
Erection of a single storey side and rear extension and roof lift to existing outrigger following demolition of existing side and rear extension.
Pending
26/0406
Non-material amendment to planning application 26/0182 to allow alteration to the colour of approved fencing.
Approved

View Planning Timeline

Ownership

Corporate Ownership79.8%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-12-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,979

Population Density6,010 /km²

Owner Occupied66%

Age Distribution

0-15 15%16-64 63%65+ 22%

View Area Profile

Schools Nearby

Park Community Academy
0.1 mi
Outstanding
Woodlands School
0.2 mi
Good
Educational Diversity
0.4 mi
Inspected as Educational Diversity (URN 131772) on 12 Jul 2023
Revoe Learning Academy
0.4 mi
Good

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Whitegate Court, 195 Whitegate Drive
-
£130k
-
Whitegate Court, 195 Whitegate Drive
-
£105k
-
Whitegate Court, 195 Whitegate Drive
-
£102k
-
Whitegate Court, 195 Whitegate Drive
-
£100k
-

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