28A Old Pepper Lane, Standish, Wigan, WN6 0PH

UPRN:10014060367Detached House6 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band FEPC: C (73)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

28A Old Pepper Lane, Standish, Wigan, WN6 0PH

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£646,000

£614k - £678kHigh

Estimate

£646k

Range

£614k – £678k

Rent Estimate (pcm)

£2,550

£2k - £3k

Monthly

£2,550

Yield

5.10%

Verdict

Derived from HomePortfolio scores

28A Old Pepper Lane earns an INVESTIGATE rating with HP Score 69/100. Investment score 62/100 reflects moderate fundamentals. Walkability is limited (46/100). 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

62/ 100

Moderate

Crime Score

No data

Walkability

46/ 100

Mixed

Transit & Bike

Transit 26Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 28 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 +7.1% (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 13 Oct 2026
- valuation_snapshotsestimate for 10014060367· as of 13 Oct 2026
Rental economics0.6/40
gross yield 5.1%; range width penalty ×0.81
- valuation_snapshotsrent estimate 2550/mo (range 2300-2800)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -787/mo, -31% 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 28 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 114 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 28 Oct 2026
Risk & liquidity14.7/15
435 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

£450,000£690,000

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£600,000

At the asking price

Monthly rent£2,550/mo

Evidenced range £2,300-£2,800

Interest rate5.4%

Loan to value75%

Cash required: £201,300
Net cash flow: -£260/mo
Cash on cash: -1.5%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - 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 10014060367Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2550/mo (range 2300-2800)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 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 2550/mo (range 2300-2800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 114 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£646,000

Rent Estimate (pcm)£2,550

Gross Yield5.10%

1y Growth+0.0%

3y Growth+2.0%

5y Growth+2.7%

10y Growth+3.7%

Last Sold Price£600,000 (2025-08-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0WN6 0PH

Approval Rate

-12mo

Development

low

A/26/101728/NMAS
Non-Material Amendment application for previously approved application A/26/100260/LB - Revisions to the internal layouts at ground and first floor level, comprising the following ground floor milk room and pantry revised to children's WC and laundry. Milk Room relocated to the first floor. Serving hatch, glazed screen and double doors added to ground floor dining room. R24 Office formed adjacent to R6 Corridor. Entrance door added to ground floor staff WC area. Double doors shown in-lieu of single door to R3 Corridor. R5 Nursery amended to staff room. Store room added within staff room. At first floor two number openings formed in wall between R19 Nursery and R18 Nursery. Further partition walls removed to make R16 Nursery open plan to the other nursery areas
Pending
A/26/101642/CON
Condition Discharge application to discharge Condition No.3 (Internal Walls), Condition No.4 (Materials), Condition No.5 (Water Goods), Condition No.7 (Roof Works), Condition No.8 (Removal of Chimney and Cellar Staircase) and Condition No.9 (Internal Insulation) in respect of approved application A/26/100260/LB
Pending
A/26/101641/CON
Condition Discharge application to discharge Condition No.3 (Internal Walls), Condition No.4 (Materials), Condition No.5 (Water Goods), Condition No.7 (Roof Works), Condition No.8 (Removal of Chimney and Cellar Staircase), Condition No.9 (Internal Insulation), Condition No.22 (EV Charging), Condition No.24 (Ecological Enhancement), Condition No.25 (Biodiversity Gain Plan) and Condition No.26 (Habitat Management and Monitoring Plan) in respect of approved application A/26/100259/FULL
Pending

View Planning Timeline

Ownership

Corporate Ownership61.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2025-08-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,615

Population Density1,490 /km²

Owner Occupied89%

Age Distribution

0-15 18%16-64 63%65+ 19%

View Area Profile

Schools Nearby

My Life Learning
0.5 mi
-
St Joseph's Catholic Primary School, Wrightington
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Standish Community High School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Shevington High School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

35 Old Pepper Lane
-
£425k
-
2 Old Pepper Lane
-
£126k
-
49 Old Pepper Lane
-
£230k
-
16 Old Pepper Lane
-
£155k
-

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