3 Springbank Gardens, Platt Bridge, Wigan, WN2 3GD

UPRN:10014058748Detached House3 bedsBuilt 2007-2011

FreeholdCouncil Tax: Band CEPC: C (75)

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

3 Springbank Gardens, Platt Bridge, Wigan, WN2 3GD

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£237,000

£226k - £249kHigh

Estimate

£237k

Range

£226k – £249k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

6.38%

Verdict

Derived from HomePortfolio scores

3 Springbank Gardens earns an INVESTIGATE rating with HP Score 64/100. Investment score 56/100 reflects moderate fundamentals. Walkability is limited (52/100). 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)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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

No data

Walkability

52/ 100

Moderate

Transit & Bike

Transit 32Bike 33

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 7 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 +0.8% (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 10 Nov 2026
- valuation_snapshotsestimate for 10014058748· as of 10 Nov 2026
Rental economics10.6/40
gross yield 6.4%; range width penalty ×0.96
- valuation_snapshotsrent estimate 1250/mo (range 1200-1350)· as of 10 Nov 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 7 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -203/mo, -16% 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 7 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 297 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 7 Nov 2026
Risk & liquidity14.7/15
549 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

£176,000£270,000

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£235,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,200-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £74,000
Net cash flow: £72/mo
Cash on cash: 1.2%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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 10014058748Valuation edge · as of 10 Nov 2026
valuation_snapshotsrent estimate 1250/mo (range 1200-1350)Rental economics · as of 10 Nov 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 7 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 Nov 2026

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 1250/mo (range 1200-1350)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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£237,000

Rent Estimate (pcm)£1,250

Gross Yield6.38%

1y Growth-

3y Growth+4.6%

5y Growth+4.6%

10y Growth+4.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0WN2 3GD

Approval Rate

-12mo

Development

low

A/26/101607/CON
Condition Discharge application to discharge Condition No.5 (Landscaping), Condition No.6 (EV Charging), Condition No.8 (Boundary Treatments), Condition No.9 (Parking), Condition No.12 (Biodiversity Enhancements), Condition No.13 (Above Ground Works) and Condition No.14 (Flood Evacuation Plan) in respect of previously approved application A/23/94997/FULL
Pending
A/26/101496/FULL
Change of use from a single dwellinghouse (Use Class C3) into a 4 bed HMO (Use Class C4)
Pending
A/26/101478/FULL
Creation of a single storey self-contained ground floor one bedroom flat to the rear of 696 Liverpool Road, including new window opening to the front and erection of artificial wall (RETROSPECTIVE APPLICATION)
Pending

View Planning Timeline

Ownership

Corporate Ownership57.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,615

Population Density824 /km²

Owner Occupied39%

Age Distribution

0-15 23%16-64 63%65+ 14%

View Area Profile

Schools Nearby

St Mary's CofE Primary School
0.2 mi
Good
Newbridge Learning Community
0.2 mi
Good
Platt Bridge Community School
0.2 mi
Good
Holy Family Catholic Academy
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

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Comparables

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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