3–5 Top O the Town, Towngate, Heptonstall, Hebden Bridge, HX7 7NU

UPRN:10006744477Semi-Detached Bungalow4 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (66)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3–5 Top O the Town, Towngate, Heptonstall, Hebden Bridge, HX7 7NU

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£577,000

£548k - £606kHigh

Estimate

£577k

Range

£548k – £606k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

3.38%

Verdict

Derived from HomePortfolio scores

3–5 Top O the Town earns an INVESTIGATE rating with HP Score 76/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (49/100). 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

76/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

49/ 100

Mixed

Transit & Bike

Transit 43Bike 16

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +4.7% (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 12 Oct 2026
- valuation_snapshotsestimate for 10006744477· as of 12 Oct 2026
Rental economics0/40
gross yield 3.4%; range width penalty ×0.62
- valuation_snapshotsrent estimate 1550/mo (range 1300-1750)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,311/mo, -85% 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
Seller motivationNot scored
context, not scored: 1 price cut(s), 134 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 4 Nov 2026
Risk & liquidity14.6/15
185 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 sensitivity

£412,500£632,500

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£550,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,300-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: -£783/mo
Cash on cash: -5.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.84 - 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_snapshotsestimate for 10006744477Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1300-1750)Rental economics · as of 12 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

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 1550/mo (range 1300-1750)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 134 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£577,000

Rent Estimate (pcm)£1,550

Gross Yield3.38%

1y Growth-

3y Growth+4.3%

5y Growth+1.7%

10y Growth+3.9%

Last Sold Price£45,000 (1995-06-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HX7 7NU

Approval Rate

-12mo

Development

low

26/22055/TCA
Heavy reduction of a Willow Tree to approximately 3 metre stem. (Tree Conservation Area)
Pending
26/22054/TCA
Proposed Arboricultural Works to copper beech tree at the rear of the property 1. Crown Reduction - Reduce overall crown height by 2-3 metres, reducing canopy spread proportionally. All cuts to be made back to suitable secondary branch growth points; natural tree form retained. No topping or stub cuts. 2. Crown Thinning - Selective removal of up to 25% of branch density throughout the canopy to improve light penetration, air circulation, and reduce wind-sail effect. Even distribution retained 3. Crown Lifting - Raise the lower canopy to provide a clear vertical clearance of 4 metres above ground level. Removal of low-hanging branches only; main crown structure fully retained. Rational - Retains the tree's mature character, health, and high amenity value within the Conservation Area - Reductions are moderate and sympathetic - proportionate to the tree's size and long-term vitality - Targeted pruning to improve structural integrity, reduce weight, and manage light access to the property and garden below
Pending
26/00816/HSE
Proposed new windows to north-west and south-east elevations
Pending

View Planning Timeline

Ownership

Corporate Ownership63.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1995-06-26
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£31,708

Population Density23 /km²

Owner Occupied82%

Age Distribution

0-15 12%16-64 63%65+ 25%

View Area Profile

Schools Nearby

Heptonstall Junior Infant and Nursery School
0.0 mi
Inspected as Heptonstall Junior Infant and Nursery School (URN 107511) on 28 Jun 2023
Hebden Royd CofE Primary School
0.5 mi
Inspected as Hebden Royd CofE VA Primary School (URN 107551) on 21 Mar 2023
Central Street Infant and Nursery School
0.7 mi
Good
Riverside Junior School
0.7 mi
-

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

View All Schools

Comparables

View All

11 Top O Th Town
-
£360k
-
1 Top O Th Town
-
£200k
-
Pogley Barn, 9 Top O Th Town
-
£315k
-
7 Top O Th Town
-
£320k
-

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