1 Springbank House, Lodge Lane, Bacup, OL13 0BJ

UPRN:100012732877Semi-Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (64)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

1 Springbank House, Lodge Lane, Bacup, OL13 0BJ

HP Score

/ 100

Strong

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£581,000

£552k - £610kHigh

Estimate

£581k

Range

£552k – £610k

Rent Estimate (pcm)

£4,500

£4k - £5k

Monthly

£4,500

Yield

9.23%

Verdict

Derived from HomePortfolio scores

1 Springbank House earns an INVESTIGATE rating with HP Score 78/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (59/100). 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 NationsMarket 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

78/ 100

Strong

Investment Score

72/ 100

High

Crime Score

16/ 100

Moderate

Walkability

59/ 100

Moderate

Transit & Bike

Transit 22Bike 34

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 6 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM -0.7% (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 100012732877· as of 9 Nov 2026
Rental economics33.8/40
gross yield 9.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 4500/mo (range 4300-4750)· as of 9 Nov 2026· verify before relying on this
Stress margin15.8/30
stressed cash flow +710/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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 255 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 6 Nov 2026
Risk & liquidity14.6/15
191 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 sensitivityScores 80+ up to £482,500

£439,000£673,000

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£585,000

At the asking price

Monthly rent£4,500/mo

Evidenced range £4,300-£4,750

Interest rate5.4%

Loan to value75%

Cash required: £196,050
Net cash flow: £1,141/mo
Cash on cash: 7.0%
Score at this price: 64

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.28 - 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 100012732877Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 4500/mo (range 4300-4750)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 4500/mo (range 4300-4750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 255 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. Set your walk-away price before viewing - above £482,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£581,000

Rent Estimate (pcm)£4,500

Gross Yield9.23%

1y Growth-

3y Growth+5.9%

5y Growth+3.9%

10y Growth+5.0%

Last Sold Price£280,000 (2012-12-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OL13 0BJ

Approval Rate

100%12mo

Development

low

2026/0399
Householder : Two-storey side extension and associated parking
Pending
2026/0381
Erection of 3 no. detached dwellings with associated car parking and garden spaces.
Pending
2026/0356
Approval of details reserved by condition 23 (details of mobility impaired car parking spaces), pursuant to planning permission ref. 2025/0438
Approved

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-12-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density1,096 /km²

Owner Occupied79%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

Bacup St Saviour's Community Primary School
0.4 mi
Good
St Joseph's Roman Catholic Primary School, Stacksteads, Bacup
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Mary's Roman Catholic Primary School, a Voluntary Academy
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bacup Holy Trinity Stacksteads Church of England Primary School
0.7 mi
Good

4 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Springbank House Lodge Lane
-
£233k
-
Springbank House Lodge Lane
-
£280k
-
Springbank House Lodge Lane
-
£220k
-
Springbank House Lodge Lane
-
£195k
-

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