Stanley Lodge Farm, Cockerham Road, Bay Horse, Lancaster, LA2 0HE

UPRN:10003530805Semi-Detached House6 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (62)

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

Stanley Lodge Farm, Cockerham Road, Bay Horse, Lancaster, LA2 0HE

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£842,000

£674k - £1.01MLow

Estimate

£842k

Range

£674k – £1.01M

Rent Estimate (pcm)

£2,700

£2k - £3k

Monthly

£2,700

Yield

4.05%

Verdict

Derived from HomePortfolio scores

Stanley Lodge Farm earns an INVESTIGATE rating with HP Score 61/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (2/100). 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)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 portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

27/ 100

Moderate

Walkability

2/ 100

Low

Transit & Bike

Transit 34Bike 15

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 4.0%; range width penalty ×0.68
- valuation_snapshotsrent estimate 2700/mo (range 2350-3050)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,520/mo, -56% 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
Risk & liquidity9.3/15
189 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£800,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,350-£3,050

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: -£831/mo
Cash on cash: -3.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.00 - 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_snapshotsrent estimate 2700/mo (range 2350-3050)Rental economics · as of 10 Oct 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 Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2700/mo (range 2350-3050)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£842,000

Rent Estimate (pcm)£2,700

Gross Yield4.05%

1y Growth-

3y Growth+2.3%

5y Growth+2.9%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

4LA2 0HE

Approval Rate

100%12mo

Development

low

23/00715/DIS
Approval of details reserved by conditions 4 (Boundary Treatments), 10 (Refuse Storage), 11 (Contamination), 15 (Site Access) and 21 (Levels) on planning permission 23/00715/FUL
Pending
25/00747/DIS
Agreement of details reserved by conditions 3 (BNG), 4 (HMMP), 5 (Landscaping) and Biodiversity Gain Plan condition of Schedule 7A of the Town and Country Planning Act (1990) on planning permission 25/00747/FULMAJ
Pending
26/00743/REM
Reserved matters application for a new village hall (Access, Appearance, Landscaping, Layout and Scale) following planning permission 24/00240/OUT
Pending

View Planning Timeline

Ownership

Corporate Ownership74.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,814

Population Density41 /km²

Owner Occupied76%

Age Distribution

0-15 15%16-64 59%65+ 26%

View Area Profile

Schools Nearby

Forton Primary School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Crookhey Hall School
0.9 mi
Inspected by ISI
Cockerham Parochial CofE Primary School
1.0 mi
GoodConcerns
Ellel St John the Evangelist Church of England Primary School
2.2 mi
Good

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Bloomfield Cockerham Road
-
£650k
-
Richmond Old Barn Cockerham Road
-
£270k
-
Richmond Dell Cockerham Road
-
£260k
-
Bloomfield Garage Cockerham Road
-
£140k
-

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