103 City Road, Wigan, WN5 0BA

UPRN:10009206602Detached BungalowBeds -Built 2003-2006

FreeholdCouncil Tax: Band CEPC: C (75)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£196,000

£157k - £235kLow

Estimate

£196k

Range

£157k – £235k

Rent Estimate (pcm)

£750

£700 - £850

Monthly

£750

Yield

5.29%

Verdict

Derived from HomePortfolio scores

103 City Road earns an INVESTIGATE rating with HP Score 76/100. Investment score 67/100 reflects moderate fundamentals. Walkability is good (80/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

No data

Walkability

80/ 100

High

Transit & Bike

Transit 55Bike 54

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 economics1.9/40
gross yield 5.3%; range width penalty ×0.80
- valuation_snapshotsrent estimate 750/mo (range 700-850)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -296/mo, -39% 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
408 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£170,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £53,200
Net cash flow: -£55/mo
Cash on cash: -1.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.31 - 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_snapshotsrent estimate 750/mo (range 700-850)Rental economics · as of 13 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 750/mo (range 700-850)

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£196,000

Rent Estimate (pcm)£750

Gross Yield5.29%

1y Growth-

3y Growth+4.5%

5y Growth+3.6%

10y Growth+3.9%

Last Sold Price£100,000 (2012-06-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WN5 0BA

Approval Rate

-12mo

Development

low

A/26/101711/PDE
Single storey rear extension projecting 3.83 metres, height to the eaves 2.37 metres and height to the ridge 3.86 metres
Pending
A/26/101612/CON
Condition Discharge application to PART discharge Condition No.4 (CEMP - Works Programme and Site Hours) in respect of approved application A/24/97281/MAJPSI
Approved
A/26/101617/CON
Condition Discharge application to discharge Condition No.29 (CT&EMP - Phase 3) in respect of approved application A/24/97281/MAJPSI
Pending

View Planning Timeline

Ownership

Corporate Ownership62.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-06-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,615

Population Density5,305 /km²

Owner Occupied52%

Age Distribution

0-15 21%16-64 65%65+ 14%

View Area Profile

Schools Nearby

Orrell Lamberhead Green Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Dean Trust Wigan
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John's CofE Primary School
0.4 mi
Good
Westfield Community School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

105 City Road
-
£70k
-
109 City Road
-
£92k
-
139 City Road
-
£95k
-
135 City Road
-
£92k
-

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