24 Phillipstown, Hightown Road, Rossendale, BB4 9NZ

UPRN:10014224466Bungalow Property2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: D (62)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

24 Phillipstown, Hightown Road, Rossendale, BB4 9NZ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£128,000

£102k - £153kLow

Estimate

£128k

Range

£102k – £153k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

7.09%

Verdict

Derived from HomePortfolio scores

24 Phillipstown earns an INVESTIGATE rating with HP Score 62/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (13/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

13/ 100

Low

Transit & Bike

Transit 12Bike 5

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 economics14.9/40
gross yield 7.1%; range width penalty ×0.89
- valuation_snapshotsrent estimate 650/mo (range 600-700)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -116/mo, -18% 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 2 Nov 2026· verify before relying on this
Risk & liquidity9.3/15
477 sales/12mo in area; valuation range width 40%
- 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£110,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: £79/mo
Cash on cash: 2.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.75 - 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 650/mo (range 600-700)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 650/mo (range 600-700)

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£128,000

Rent Estimate (pcm)£650

Gross Yield7.09%

1y Growth-

3y Growth+1.1%

5y Growth+2.4%

10y Growth+3.9%

Last Sold Price£59,950 (2004-02-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningModerate
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BB4 9NZ

Approval Rate

-12mo

Development

low

2026/0233
Removal of existing porch, conservatory, detached garage and deck, and erection of a new side/rear extension, front canopy and decking area.
Conditions
2026/0108
Installation of EV Charger to front (north) elevation
Conditions
2025/0451
Full: Agricultural building
Conditions

View Planning Timeline

Ownership

Corporate Ownership62.9%
Overseas OwnershipNo
Lease Term Remaining845 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2004-02-17
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density-

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
0.7 mi
Good
St Peter's Roman Catholic Primary School, Newchurch
0.9 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Staghills Nursery School
1.0 mi
-
Water Primary School
1.1 mi
GoodConcerns

4 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

8 Phillipstown
-
£57k
-
8 Phillipstown
-
£62k
-
18 Phillipstown
-
£75k
-
26 Phillipstown
-
£78k
-

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