25 Beech Drive, Whalley, Clitheroe, BB7 9RA

UPRN:10022968700Purpose Built Flat2 bedsBuilt 2003-2006

Shared ownershipCouncil Tax: Band BEPC: C (77)

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

25 Beech Drive, Whalley, Clitheroe, BB7 9RA

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£164,000

£148k - £181kMedium

Estimate

£164k

Range

£148k – £181k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

4.22%

Verdict

Derived from HomePortfolio scores

25 Beech Drive earns an INVESTIGATE rating with HP Score 56/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (16/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is shared ownership. 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

56/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

53/ 100

Elevated

Walkability

16/ 100

Low

Transit & Bike

Transit 8Bike 6

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -12.8% (MEDIUM), sold-comps -27.6%, £/sqft -27.6%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 10022968700· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 10.5%· as of 28 Oct 2026
Rental economics0/40
gross yield 4.2%; 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 -443/mo, -68% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 27 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 2 Nov 2026
Risk & liquidity12.8/15
451 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

£138,500£212,500

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£184,950

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £57,985
Net cash flow: -£174/mo
Cash on cash: -3.6%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.04 - below 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 10022968700Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 10.5%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 600-700)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 650/mo (range 600-700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 27 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. 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£164,000

Rent Estimate (pcm)£650

Gross Yield4.22%

1y Growth-9.9%

3y Growth+1.8%

5y Growth+1.5%

10y Growth+2.5%

Last Sold Price£117,500 (2005-03-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1BB7 9RA

Approval Rate

100%12mo

Development

low

38807/3/2026/0724
Non-material amendment to planning permission 3/2017/0714 involving change of use to building M (Unit 45) from Use Class B2/B8 to Use Class B1 and to building E (Units 22 and 23) from Use Class B1 to Use Class B2/B8.
Pending
38637/3/2026/0553
T003 (Horse Chestnut) and T004 (Oak) Prune to clear building by 1.5m.
Conditions
38615/3/2026/0531
Retrospective consent for the erection of an outbuilding, shed and timber boundary fence.
Conditions

View Planning Timeline

Ownership

Corporate Ownership71.3%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeShared ownership
Last Ownership Change2005-03-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£34,077

Population Density236 /km²

Owner Occupied80%

Age Distribution

0-15 17%16-64 61%65+ 22%

View Area Profile

Schools Nearby

Whalley Church of England Primary School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Oakhill School
1.2 mi
Inspected by ISI
St Augustine's Roman Catholic High School, a Voluntary Academy
1.2 mi
Good
Barrow URC Primary School
1.3 mi
Good

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

View All Schools

Comparables

View All

61 Beech Drive
-
£327k
-
43 Beech Drive
-
£335k
-
7 Beech Drive
-
£625k
-
27 Beech Drive
-
£285k
-

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