12 Ocean Road, Riverside Caravan Park, Southport New Road, Banks, PR9 8DF

UPRN:10012354089-3 bedsBuilt -

LeaseholdCouncil Tax: -EPC: -

Data freshness:Price Paid· freshPlanning· freshRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

12 Ocean Road, Riverside Caravan Park, Southport New Road, Banks, PR9 8DF

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£40,000

£32k - £49kLow

Estimate

£40k

Range

£32k – £49k

Rent Estimate (pcm)

£200

£200 - £250

Monthly

£200

Yield

6.00%

Verdict

Derived from HomePortfolio scores

12 Ocean Road earns an INVESTIGATE rating with HP Score 61/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (3/100). 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 SourcesPortal listingsMarket 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

61/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

3/ 100

Low

Transit & Bike

Transit 4Bike 44

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 economics5.6/40
gross yield 6.0%; range width penalty ×0.70
- valuation_snapshotsrent estimate 200/mo (range 200-250)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -152/mo, -76% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 27 Oct 2026· verify before relying on this
Risk & liquidity9/15
470 sales/12mo in area; valuation range width 42%
- 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£40,000

At the asking price

Monthly rent£200/mo

Evidenced range £200-£250

Interest rate5.4%

Loan to value75%

Cash required: £13,300
Net cash flow: £3/mo
Cash on cash: 0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 200/mo (range 200-250)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 27 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 27 Oct 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 200/mo (range 200-250)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£40,000

Rent Estimate (pcm)£200

Gross Yield6.00%

1y Growth-

3y Growth+0.9%

5y Growth+2.1%

10y Growth+2.8%

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

3PR9 8DF

Approval Rate

-12mo

Development

low

2026/0823/PIP
Application for Permission in Principle - for a minimum of one and a maximum of two dwellings.
Pending
2026/0403/CON
Approval of details reserved by condition no 4 of planning permission 2023/0630/FUL relating to Contaminated Land Assessment and Timetable of Works.
Pending
2026/0404/CON
Approval of details reserved by condition no 5 & 7 of planning permission 2023/0630/FUL relating to Sustainable Drainage Strategy and Site Operation and Maintenance.
Conditions

View Planning Timeline

Ownership

Corporate Ownership68.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,884

Population Density82 /km²

Owner Occupied74%

Age Distribution

0-15 16%16-64 58%65+ 26%

View Area Profile

Schools Nearby

Tarleton Mere Brow Church of England Primary School
0.6 mi
GoodConcerns
Banks St Stephen's CofE School
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.
Banks Methodist School
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John's Church of England Primary School
2.0 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Unit 7 Dalweb Industrial Park
-
£95k
-

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