31 Bank Road, Lancaster, LA1 2DG

UPRN:10009276191Flat/Maisonette2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band AEPC: C (77)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£105,000

£100k - £110kHigh

Estimate

£105k

Range

£100k – £110k

Rent Estimate (pcm)

£300

£250 - £300

Monthly

£300

Yield

3.79%

Verdict

Derived from HomePortfolio scores

31 Bank Road earns an INVESTIGATE rating with HP Score 70/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (67/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

70/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

33/ 100

Moderate

Walkability

67/ 100

Moderate

Transit & Bike

Transit 32Bike 52

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 +9.5% (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 9 Nov 2026
- valuation_snapshotsestimate for 10009276191· as of 9 Nov 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.87
- valuation_snapshotsrent estimate 300/mo (range 250-300)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -310/mo, -103% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 168 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 6 Nov 2026
Risk & liquidity14.7/15
543 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

£71,000£109,000

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£95,000

At the asking price

Monthly rent£300/mo

Evidenced range £250-£300

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: -£113/mo
Cash on cash: -4.5%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - 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 10009276191Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 300/mo (range 250-300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 300/mo (range 250-300)
Seller motivation could not be scored
context, not scored: 2 price cut(s), 168 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.
2 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£105,000

Rent Estimate (pcm)£300

Gross Yield3.79%

1y Growth-

3y Growth+1.6%

5y Growth+2.2%

10y Growth+1.7%

Last Sold Price£101,450 (2006-11-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA1 2DG

Approval Rate

-12mo

Development

low

26/0216/TCA5
5 day notice to remove 1 x poplar tree
Rejected
26/0215/TCA
Remove 1 x poplar tree to ground level
Rejected
26/01036/FUL
Formation of new shop entrance, installation of roller shutter to the front elevation and alterations to external elevations
Pending

View Planning Timeline

Ownership

Corporate Ownership70.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2006-11-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density5,657 /km²

Owner Occupied64%

Age Distribution

0-15 19%16-64 67%65+ 14%

View Area Profile

Schools Nearby

St Josephs Catholic Primary School, Lancaster
0.1 mi
Requires improvement
Skerton St Luke's Church of England Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Chadwick High School
0.3 mi
Inspected as Chadwick High School (URN 133398) on 14 Jan 2020
Our Lady's Catholic College
0.5 mi
Requires improvement

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

View All Schools

Comparables

View All

31 Bank Road
-
£100k
-
21 Bank Road
-
£135k
-
43 Bank Road
-
£115k
-
19 Bank Road
-
£119k
-

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