186 Derby Road, Widnes, WA8 3UG

UPRN:10090873255Terrace Property3 bedsBuilt 2012-2021

FreeholdCouncil Tax: Band EEPC: C (77)

Data freshness:Listing· freshPlanning· 1mo agoOwnership· freshEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo 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

£353,000

£318k - £388kMedium

Estimate

£353k

Range

£318k – £388k

Rent Estimate (pcm)

£2,300

£2k - £2k

Monthly

£2,300

Yield

4.62%

Verdict

Derived from HomePortfolio scores

186 Derby Road earns an INVESTIGATE rating with HP Score 72/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is low. Walkability is limited (37/100). 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

72/ 100

Mixed

Investment Score

72/ 100

High

Crime Score

23/ 100

Moderate

Walkability

37/ 100

Mixed

Transit & Bike

Transit 11Bike 29

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

3 live new-build plots advertised against one placeholder UPRN (£529,000-£597,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£597,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,200-£2,450

Interest rate5.4%

Loan to value75%

Cash required: £200,250
Net cash flow: -£423/mo
Cash on cash: -2.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£353,000

Rent Estimate (pcm)£2,300

Gross Yield4.62%

1y Growth-

3y Growth+6.0%

5y Growth+4.2%

10y Growth+2.7%

Last Sold Price£220,000 (2015-09-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1WA8 3UG

Approval Rate

-12mo

Development

low

26/00427/PDE
Application to determine if prior approval is required for a single storey rear extension with a projection from the rear wall of 6.00m, an overall height of 3.40m and an eaves height of 3.00m including demolition of existing outbuilding at
Pending
26/00372/FUL
Proposed single storey rear extension at
Pending
26/00368/FUL
Proposed erection of 1 no. new 3-bedroom dwelling house in the side garden at
Pending

View Planning Timeline

Ownership

Corporate Ownership79%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-09-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,819

Population Density1,986 /km²

Owner Occupied87%

Age Distribution

0-15 19%16-64 69%65+ 12%

View Area Profile

Schools Nearby

Moorfield Primary School
0.4 mi
Good
Lunts Heath Primary School
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Farnworth Church of England Controlled Primary School
0.7 mi
Good
Brookfields School
0.8 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

190 Derby Road
-
£280k
-
190 Derby Road
-
£270k
-
182 Derby Road
-
£181k
-
184 Derby Road
-
£200k
-

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