Flat 2, 12 Hove Road, Lytham St. Annes, FY8 1TP

UPRN:10023484682Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: C (79)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 2, 12 Hove Road, Lytham St. Annes, FY8 1TP

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£104,000

£99k - £110kHigh

Estimate

£104k

Range

£99k – £110k

Rent Estimate (pcm)

£450

£400 - £450

Monthly

£450

Yield

4.50%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 86/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is very low. Walkability is excellent (90/100). 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 listingsMarket 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

86/ 100

Strong

Investment Score

72/ 100

High

Crime Score

9/ 100

Low

Walkability

90/ 100

Excellent

Transit & Bike

Transit 32Bike 58

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 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 edge-1.6/15
claims [AVM -15.4% (HIGH)] → measured edge -0.33pp 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 (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10023484682· as of 9 Oct 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.98
- valuation_snapshotsrent estimate 450/mo (range 400-450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -306/mo, -68% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 74 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 4 Nov 2026
Risk & liquidity14.5/15
636 sales/12mo in area; valuation range width 11%
- 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

£90,000£138,000

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£120,000

At the asking price

Monthly rent£450/mo

Evidenced range £400-£450

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: -£93/mo
Cash on cash: -3.0%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - 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 10023484682Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 450/mo (range 400-450)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 450/mo (range 400-450)
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£104,000

Rent Estimate (pcm)£450

Gross Yield4.50%

1y Growth-

3y Growth+1.2%

5y Growth+2.6%

10y Growth+2.9%

Last Sold Price£87,000 (2021-11-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1FY8 1TP

Approval Rate

100%12mo

Development

low

26/0635
ADVERTISEMENT CONSENT FOR ERECTION OF A NON-ILLUMINATED, DOUBLE-SIDED CAR PARK DIRECTIONAL PROJECTING SIGN
Pending
26/0604
1) CONVERSION OF LOFT SPACE AT SECOND FLOOR TO PROVIDE LIVING ACCOMMODATION INCLUDING FORMATION OF VELUX CABRIO BALCONY TO REAR ROOF SLOPE; 2) INSERTION OF ROOF LIGHTS TO FRONT ROOF SLOPE; 3) INSTALLATION OF SECOND FLOOR WINDOW IN WEST FACING SIDE ELEVATION; AND 4) ERECTION OF REPLACEMENT BALUSTRADE TO MAIN ENTRANCE STAIRCASE ON WEST FACING SIDE ELEVATION
Pending
26/0571
SINGLE STOREY REAR EXTENSION FOLLOWING DEMOLITION OF EXISTING SINGLE STOREY REAR OUTRIGGER INCLUDING EXTENSION OF EXISTING RAISED PATIO TO REAR
Pending

View Planning Timeline

Ownership

Corporate Ownership72%
Overseas OwnershipNo
Lease Term Remaining845 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-11-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£36,020

Population Density1,772 /km²

Owner Occupied82%

Age Distribution

0-15 14%16-64 53%65+ 33%

View Area Profile

Schools Nearby

Poplar House School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Anne's College Grammar School
0.2 mi
Inspected by ISI
St Annes on Sea St Thomas' Church of England Primary School
0.3 mi
-
Our Lady Star of the Sea Catholic Primary School
0.3 mi
Inspected as Our Lady Star of the Sea Catholic Primary School (URN 119627) on 28 Mar 2023

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

6 Hove Road
-
£155k
-
12 Hove Road
-
£92k
-
8 Hove Road
-
£176k
-
14 Hove Road
-
£85k
-

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