120 Russell Terrace, Padiham, Burnley, BB12 7HD

UPRN:10003759620Terrace Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: C (70)

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

120 Russell Terrace, Padiham, Burnley, BB12 7HD

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£87,000

£70k - £104kLow

Estimate

£87k

Range

£70k – £104k

Rent Estimate (pcm)

£650

£650 - £700

Monthly

£650

Yield

10.40%

Verdict

Derived from HomePortfolio scores

120 Russell Terrace earns an INVESTIGATE rating with HP Score 70/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (60/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

29/ 100

Moderate

Walkability

60/ 100

Moderate

Transit & Bike

Transit 22Bike 45

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity
listing is held on a lease but the UPRN is valued as a freehold house - the listing is likely a unit within the building

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£75,000

At the asking price

Monthly rent£650/mo

Evidenced range £650-£700

Interest rate5.4%

Loan to value75%

Cash required: £23,800
Net cash flow: £197/mo
Cash on cash: 9.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.57 - clears 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£87,000

Rent Estimate (pcm)£650

Gross Yield10.40%

1y Growth-19.1%

3y Growth+1.5%

5y Growth+1.5%

10y Growth+3.9%

Last Sold Price£42,000 (2016-11-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB12 7HD

Approval Rate

-12mo

Development

low

PA/2026/0469
Installation of Automatic Number Plate Recognition (ANPR) System with associated anciliary works and signage
Pending
PA/2026/0470
Installation of Automatic Number Plate Recognition (ANPR) System with associated anciliary works and signage
Pending
OTH/2026/0464
Discharge of conditions 11 (Verification of Surface water sustainable drainage system), 13 (Landscape and open management plan) attached to planning permission VAR/2025/0488.
Pending

View Planning Timeline

Ownership

Corporate Ownership33.9%
Overseas OwnershipNo
Lease Term Remaining815 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-11-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,680

Population Density9,941 /km²

Owner Occupied48%

Age Distribution

0-15 23%16-64 65%65+ 12%

View Area Profile

Schools Nearby

Padiham Green Church of England Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Whitegate Nursery School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Padiham Primary School
0.3 mi
Good
St John the Baptist Roman Catholic Primary School, Padiham
0.3 mi
Good

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

148 Russell Terrace
-
£88k
-
146 Russell Terrace
-
£70k
-
74 Russell Terrace
-
£48k
-
138 Russell Terrace
-
£65k
-

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