95 Windward Avenue, Fleetwood, FY7 6FE

UPRN:10034089942End Terrace House4 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band DEPC: C (80)

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£244,000

£232k - £256kHigh

Estimate

£244k

Range

£232k – £256k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

8.35%

Verdict

Derived from HomePortfolio scores

95 Windward Avenue earns an INVESTIGATE rating with HP Score 54/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (18/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

54/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

54/ 100

Elevated

Walkability

18/ 100

Low

Transit & Bike

Transit 20Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 2 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge0/15
claims [AVM +5.7% (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 12 Oct 2026
- valuation_snapshotsestimate for 10034089942· as of 12 Oct 2026
Rental economics26.8/40
gross yield 8.3%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1600/mo (range 1500-1650)· as of 12 Oct 2026· verify before relying on this
Stress margin4.7/30
stressed cash flow +76/mo, +5% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 107 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 & liquidity14.7/15
283 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 sensitivityScores 70+ up to £190,000

£172,500£264,500

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£230,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: £331/mo
Cash on cash: 5.5%
Score at this price: 46

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.06 - 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 10034089942Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1500-1650)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
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 reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1600/mo (range 1500-1650)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 107 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. 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. Set your walk-away price before viewing - above £190,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£244,000

Rent Estimate (pcm)£1,600

Gross Yield8.35%

1y Growth+21.1%

3y Growth+3.0%

5y Growth+2.4%

10y Growth+2.3%

Last Sold Price£250,000 (2022-04-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0FY7 6FE

Approval Rate

-12mo

Development

low

26/00597/LBC
Listed building consent for roof replacement works. Strictly restorative involving no alteration to the buildings appearence.
Approved
26/00584/FUL
Partial demolition and reconstruction of grade II listed building, retaining the principal front elevation, erection of three storey rear extension; external alterations including rear facing balcony, change of use of ground floor to flexible commercial use class E(c) E(g)(i), E(g)(ii) and B8. conversion of the upper floors to two self contained flats.
Pending
26/00585/LBC
Listed building consent for partial demolition and reconstruction of grade II listed building, retaining the principle front elevation, erection of three storey rear extension; external alterations including rear facing balcony, change of use of ground floor to flexible commercial use class E(c) E(g)(i), E(g)(ii) and B8. conversion of the upper floors to two self contained flats.
Pending

View Planning Timeline

Ownership

Corporate Ownership69.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-04-29
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,814

Population Density576 /km²

Owner Occupied43%

Age Distribution

0-15 21%16-64 61%65+ 18%

View Area Profile

Schools Nearby

Fleetwood Chaucer Community Primary School
0.6 mi
Good
St. Mary's Catholic Primary School, Fleetwood
0.6 mi
Inspected as St Mary's Catholic Primary School, Fleetwood (URN 119623) on 12 May 2023
Shakespeare Primary School
0.9 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Fleetwood Flakefleet Primary School
0.9 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

59 Windward Avenue
-
£171k
-
35 Windward Avenue
-
£292k
-
91 Windward Avenue
-
£170k
-
91 Windward Avenue
-
£180k
-

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