169 St Margarets Road, Lowestoft, NR32 4HW

UPRN:100091179653Mid Terrace House3 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (67)

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

169 St Margarets Road, Lowestoft, NR32 4HW

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£151,000

£136k - £166kMedium

Estimate

£151k

Range

£136k – £166k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

6.38%

Verdict

Derived from HomePortfolio scores

169 St Margarets Road earns an INVESTIGATE rating with HP Score 73/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (72/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

72/ 100

High

Transit & Bike

Transit 35Bike 81

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

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£160,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: £48/mo
Cash on cash: 1.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.57 - 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£151,000

Rent Estimate (pcm)£850

Gross Yield6.38%

1y Growth-

3y Growth-1.8%

5y Growth+1.8%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NR32 4HW

Approval Rate

-12mo

Development

low

DC/26/3879/FUL
Retain and refurbish the existing shop. Convert the first floor, formerly offices, to a 2-bedroom, 4-person self-contained flat. Convert the 2nd floor, formerly storage, to a 2-bedroom, 3-person self-contained flat.
Pending
DC/26/3858/FUL
Retrospective Application - Siting an InPost Parcel Locker
Pending
DC/26/3828/TCA
2no. Sycamore (002 & 003 on submitted plan) - Fell 10no. Sycamore (marked on submitted plan) - Re-Pollard
Pending

View Planning Timeline

Ownership

Corporate Ownership76.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,261

Population Density-

Owner Occupied53%

Age Distribution

0-15 22%16-64 63%65+ 15%

View Area Profile

Schools Nearby

Northfield St Nicholas Primary Academy
0.1 mi
Good
St Margaret's Primary Academy
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Poplars Community Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Include Suffolk
0.2 mi
Good

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

86 St Margarets Road
-
£218k
-
167 St Margarets Road
-
£125k
-
98 St Margarets Road
-
£140k
-
100 St Margarets Road
-
£138k
-

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