Cothay Cottage, Mill Lane, Willaston, Neston, CH64 1RE

UPRN:100012592744Detached House4 bedsBuilt 1930-1949

FreeholdCouncil Tax: -EPC: C (70)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Cothay Cottage, Mill Lane, Willaston, Neston, CH64 1RE

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£938,000

£751k - £1.13MLow

Estimate

£938k

Range

£751k – £1.13M

Rent Estimate (pcm)

£3,150

£3k - £4k

Monthly

£3,150

Yield

3.29%

Verdict

Derived from HomePortfolio scores

Cothay Cottage earns an INVESTIGATE rating with HP Score 67/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (23/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

23/ 100

Low

Transit & Bike

Transit 5Bike 21

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - sale already progressing, not an actionable opportunity

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£1,150,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,800-£3,550

Interest rate5.4%

Loan to value75%

Cash required: £405,050
Net cash flow: -£1,700/mo
Cash on cash: -5.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.81 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£938,000

Rent Estimate (pcm)£3,150

Gross Yield3.29%

1y Growth-

3y Growth-2.2%

5y Growth+0.0%

10y Growth+3.5%

Last Sold Price£780,000 (2021-06-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0CH64 1RE

Approval Rate

-12mo

Development

low

26/03522/TPO
Fell and remove one mature Cedar tree (T41)
Pending
26/03425/NMA
Non Material Amendment to 25/00672/FUL
Pending
26/03174/TPO
Minor deadwooding required, no trees to be removed. Various tree species including beech, horse chestnut, oak, pine.
Pending

View Planning Timeline

Ownership

Corporate Ownership71%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-06-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,391

Population Density505 /km²

Owner Occupied75%

Age Distribution

0-15 12%16-64 54%65+ 34%

View Area Profile

Schools Nearby

Willaston CofE Primary School
0.3 mi
OutstandingImproving
Neston High School
1.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Woodfall Primary and Nursery School
1.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Winefride's Catholic Primary School
1.6 mi
Good

3 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Cothay Cottage Mill Lane
-
£780k
-
Mill Lane Farm Mill Lane
-
£595k
-
Redstones Mill Lane
-
£225k
-

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