Riverside Cottage, 2–4 Whalley Road, Great Harwood, Blackburn, BB6 7UH

UPRN:10009972842Semi-Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (62)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Riverside Cottage, 2–4 Whalley Road, Great Harwood, Blackburn, BB6 7UH

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£408,000

£367k - £449kMedium

Estimate

£408k

Range

£367k – £449k

Rent Estimate (pcm)

£2,350

£2k - £2k

Monthly

£2,350

Yield

5.94%

Verdict

Derived from HomePortfolio scores

Riverside Cottage earns an INVESTIGATE rating with HP Score 69/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (45/100). 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

69/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

45/ 100

Mixed

Transit & Bike

Transit 4Bike 12

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -16.4% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 11 Nov 2026
- valuation_snapshotsestimate for 10009972842· as of 11 Nov 2026
Rental economics7.4/40
gross yield 5.9%; range width penalty ×0.99
- valuation_snapshotsrent estimate 2350/mo (range 2200-2450)· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -407/mo, -17% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 87 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 9 Nov 2026
Risk & liquidity12.8/15
216 sales/12mo in area; valuation range width 20%
- 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

£356,000£546,000

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£475,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,200-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: £24/mo
Cash on cash: 0.2%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.47 - 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_snapshotsestimate for 10009972842Valuation edge · as of 11 Nov 2026
valuation_snapshotsrent estimate 2350/mo (range 2200-2450)Rental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 2350/mo (range 2200-2450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 87 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. 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£408,000

Rent Estimate (pcm)£2,350

Gross Yield5.94%

1y Growth+4.5%

3y Growth-3.9%

5y Growth-1.6%

10y Growth+0.3%

Last Sold Price£371,440 (2024-12-06)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0BB6 7UH

Approval Rate

-12mo

Development

low

11/26/0439
Discharge of Condition: Discharge of conditions 3 (Construction Method Statement), 5 (Surface Water Disposal), 6 (Natural England Bat Mitigation), 7 (Supervised Ecological Works), 8 (Sparrow and Bat Box details), and 10 (Lighting details) pursuant to planning permission 11/25/0166.
Pending
11/26/0400
Variation of Condition: 2 (approved plans) pursuant to planning permission reference 11/25/0166
Conditions
11/25/0476
Non-material Amendment: Of full planning permission reference 11/24/0384 for altered and additional windows
Conditions

View Planning Timeline

Ownership

Corporate Ownership49.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-12-06
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,647

Population Density728 /km²

Owner Occupied75%

Age Distribution

0-15 13%16-64 51%65+ 36%

View Area Profile

Schools Nearby

St Hubert's Roman Catholic Primary School, Great Harwood
0.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Great Harwood St Bartholomew's Parish Church of England Voluntary Aided Primary School
1.1 mi
Good
Read St John's CofE Primary School
1.5 mi
Good
Great Harwood St John's Church of England Primary School
1.5 mi
Good

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Stoops House Whalley Road
-
£627k
-
2 - 4 Whalley Road
-
£371k
-
3 Whalley Road
-
£170k
-
The Gamecock Inn, 8 Whalley Road
-
£47k
-

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