Healey Moss, Crosse Hall Lane, Chorley, PR6 9AW

UPRN:10070374246Detached House4 bedsBuilt 2007-2011

FreeholdCouncil Tax: Band FEPC: B (82)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Healey Moss, Crosse Hall Lane, Chorley, PR6 9AW

HP Score

/ 100

Mixed

Verdict

3 days ago

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

19 of 21 sources

Sale Estimate

£645,000

£516k - £774kLow

Estimate

£645k

Range

£516k – £774k

Rent Estimate (pcm)

£2,450

£2k - £3k

Monthly

£2,450

Yield

5.16%

Verdict

Derived from HomePortfolio scores

Healey Moss earns an AVOID rating with HP Score 59/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (23/100). 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)Defra 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

59/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

43/ 100

Elevated

Walkability

23/ 100

Low

Transit & Bike

Transit 50Bike 43

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge1.1/15
claims [sold-comps +1.4%, £/sqft +1.4%] → measured edge +0.23pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 9.6%· as of 25 Oct 2026
Rental economics1.1/40
gross yield 5.2%; range width penalty ×0.83
- valuation_snapshotsrent estimate 2450/mo (range 2250-2700)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -734/mo, -30% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 48 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 & liquidity9.2/15
391 sales/12mo in area; valuation range width 40%
- 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

£427,500£655,500

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£569,995

At the asking price

Monthly rent£2,450/mo

Evidenced range £2,250-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £190,799
Net cash flow: -£228/mo
Cash on cash: -1.4%
Score at this price: 11

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.27 - 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

property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 9.6%Valuation edge · as of 25 Oct 2026
valuation_snapshotsrent estimate 2450/mo (range 2250-2700)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
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 2450/mo (range 2250-2700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 48 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. 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.
3. 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£645,000

Rent Estimate (pcm)£2,450

Gross Yield5.16%

1y Growth-

3y Growth+4.8%

5y Growth+4.8%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PR6 9AW

Approval Rate

-12mo

Development

low

26/00954/FULHH
Erection of single storey rear extension
Pending
26/00937/FUL
Change of use of no. 48 Cunliffe Street across the first floor to 5no. apartments (Use Class C3)
Pending
26/00923/CLPUD
Certificate of lawfulness for the proposed installation of a ground floor window to existing dwelling, replacement of existing conservatory roof with a dual pitched tiled roof and the replacement of the glazing to the front and side elevations of the conservatory with insulated timber panels to be faced with white cladding
Pending

View Planning Timeline

Ownership

Corporate Ownership64.1%
Overseas OwnershipNo
Lease Term Remaining10 yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,337

Population Density1,091 /km²

Owner Occupied56%

Age Distribution

0-15 23%16-64 65%65+ 12%

View Area Profile

Schools Nearby

Chorley St James' Church of England Primary School
0.1 mi
OutstandingImproving
Sacred Heart Catholic Primary School, Chorley
0.3 mi
Good
Highfield Community Primary School
0.3 mi
Inspected as Highfield Community Primary School (URN 119204) on 17 Sep 2019
Highfield Nursery School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

Rowan Moss Crosse Hall Lane
-
£515k
-
Water Keepers Cottage Crosse Hall Lane
-
£625k
-
Water Keepers Cottage Crosse Hall Lane
-
£475k
-
Rowan Moss Crosse Hall Lane
-
£390k
-

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