4 Spring Bank, Burnley Road, Edenfield, Ramsbottom, Bury, BL0 0GF

UPRN:10014224955Mid Terrace House4 bedsBuilt 1996-2002

LeaseholdCouncil Tax: Band DEPC: C (73)

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

4 Spring Bank, Burnley Road, Edenfield, Ramsbottom, Bury, BL0 0GF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£314,000

£298k - £330kHigh

Estimate

£314k

Range

£298k – £330k

Rent Estimate (pcm)

£1,600

£1k - £2k

Monthly

£1,600

Yield

6.10%

Verdict

Derived from HomePortfolio scores

4 Spring Bank earns an INVESTIGATE rating with HP Score 72/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (33/100). 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

72/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

33/ 100

Mixed

Transit & Bike

Transit 10Bike 20

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM -0.3% (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 9 Oct 2026
- valuation_snapshotsestimate for 10014224955· as of 9 Oct 2026
Rental economics7.8/40
gross yield 6.1%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1600/mo (range 1450-1700)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -283/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 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 240 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 3 Nov 2026
Risk & liquidity14.6/15
192 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

£236,000£362,000

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£315,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,450-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: £45/mo
Cash on cash: 0.5%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.50 - 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 10014224955Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1450-1700)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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
Rental economics needs verification before you rely on it
rent estimate 1600/mo (range 1450-1700)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. 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£314,000

Rent Estimate (pcm)£1,600

Gross Yield6.10%

1y Growth-

3y Growth+4.2%

5y Growth+3.3%

10y Growth+5.2%

Last Sold Price£215,000 (2019-06-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BL0 0GF

Approval Rate

-12mo

Development

low

2026/0390
Approval of details reserved by conditions 8 (Bat Mitigation Scheme), 9 (Bat Friendly Lighting Plan), 11 (Invasive Species Method Statement), 13 (Archaeological Building Recording), 16 (Construction Management Plan), 17 (Construction of Site Access) and 18 (Future Management and Maintenance of Access and Parking), pursuant to planning permission 2025/0417
Pending
2026/0384
Discharge of Conditions 8 (Partial - Habitat Creation / Enhancement), 21 (Partial - Irwell Sculpture Trail pathway), 25 (Remediation Verification) and 36 (Drainage Verification) of Planning Permission 2024/0404.
Pending
2026/0033/TPO
Works to trees within TPO T2/E/W63 specifically - T26 - Sycamore - 1/3 height crown reduction, removal of large lower limb to east side to redistribute weight and allow even regrowth to tree. T27 - Sycamore - 1/2 height crown reduction to allow even regrowth and redistribute weight evenly. T31 - Sycamore - 1/2 height crown reduction to allow even regrowth and redistribute weight evenly. T32 - Sycamore - Pollard to 12ft, current main stem has excessive slant.
Approved

View Planning Timeline

Ownership

Corporate Ownership76.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2019-06-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,487

Population Density-

Owner Occupied86%

Age Distribution

0-15 17%16-64 62%65+ 21%

View Area Profile

Schools Nearby

Edenfield Church of England Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Valley College
1.0 mi
-
Ramsbottom Stubbins Primary School
1.0 mi
GoodConcerns
Tor View School
1.1 mi
-

4 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Spring Bank Burnley Road
-
£215k
-
1 Spring Bank
-
£192k
-
Spring Bank Burnley Road
-
£190k
-
2 Spring Bank
-
£171k
-

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