Lower Brex Farm, Brex, Coal Pit Lane, Bacup, OL13 8NN

UPRN:10013835795Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: E (49)

Data freshness:Listing· freshPrice Paid· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

Lower Brex Farm, Brex, Coal Pit Lane, Bacup, OL13 8NN

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

£771,000

£694k - £848kMedium

Estimate

£771k

Range

£694k – £848k

Rent Estimate (pcm)

£3,850

£4k - £4k

Monthly

£3,850

Yield

6.60%

Verdict

Derived from HomePortfolio scores

Lower Brex Farm earns an INVESTIGATE rating with HP Score 60/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (1/100). 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 NationsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

1/ 100

Low

Transit & Bike

Transit 30Bike 6

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge0/15
claims [AVM +9.2% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10013835795· as of 9 Oct 2026
Rental economics11/40
gross yield 6.6%; range width penalty ×0.86
- valuation_snapshotsrent estimate 3850/mo (range 3500-4150)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -253/mo, -7% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 396 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 30 Oct 2026
Risk & liquidity12.8/15
191 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

£525,000£805,000

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£700,000

At the asking price

Monthly rent£3,850/mo

Evidenced range £3,500-£4,150

Interest rate5.4%

Loan to value75%

Cash required: £236,300
Net cash flow: £303/mo
Cash on cash: 1.5%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.63 - 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 10013835795Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 3850/mo (range 3500-4150)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 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
Rental economics needs verification before you rely on it
rent estimate 3850/mo (range 3500-4150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 396 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. 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.
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£771,000

Rent Estimate (pcm)£3,850

Gross Yield6.60%

1y Growth-

3y Growth+5.9%

5y Growth+3.9%

10y Growth+5.0%

Last Sold Price£440,000 (2020-04-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

-OL13 8NN

Approval Rate

-12mo

Development

2026/0382
PRIVATE SWIMMING POOL AND ENCLOSURE
Pending
2025/0449
Prior Notification: Conversion of an existing agricultural building into one dwelling.
Approved
2025/0077
Construction of a suite of Natural Flood Management (NFM) interventions, designed to reduce flood risk to communities downstream by slowing the flow and attenuating water in the upper catchment before it reaches locations where properties are at risk of flooding.
Approved

View Planning Timeline

Ownership

Corporate Ownership54.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2020-04-02
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density107 /km²

Owner Occupied78%

Age Distribution

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

View Area Profile

Schools Nearby

St Anne's Church of England Primary School
1.1 mi
Good
Bacup Thorn Primary School
1.1 mi
Good
Bacup Nursery School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Joseph's Roman Catholic Primary School, Stacksteads, Bacup
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Lower Brex Farm Brex
-
£440k
-
Middle Brex Farm Brex
-
£585k
-
Far Brex Farm Brex
-
£350k
-
Middle Brex Farm Brex
-
£395k
-

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