21A Hest Bank Lane, Hest Bank, Lancaster, LA2 6DG

UPRN:10091523477Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: B (85)

Data freshness:Listing· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

21A Hest Bank Lane, Hest Bank, Lancaster, LA2 6DG

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£708,000

£673k - £743kHigh

Estimate

£708k

Range

£673k – £743k

Rent Estimate (pcm)

£2,050

£2k - £2k

Monthly

£2,050

Yield

2.98%

Verdict

Derived from HomePortfolio scores

21A Hest Bank Lane earns an INVESTIGATE rating with HP Score 80/100. Investment score 82/100 reflects strong fundamentals. Crime intensity is very 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

80/ 100

Strong

Investment Score

82/ 100

High

Crime Score

5/ 100

Low

Walkability

37/ 100

Mixed

Transit & Bike

Transit 19Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge-1.6/15
claims [AVM -16.5% (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 12 Oct 2026
- valuation_snapshotsestimate for 10091523477· as of 12 Oct 2026
Rental economics0/40
gross yield 3.0%; range width penalty ×0.71
- valuation_snapshotsrent estimate 2050/mo (range 1800-2300)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,104/mo, -103% 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), 72 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 & liquidity14.7/15
189 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 sensitivity

£619,000£948,500

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£825,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,800-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £280,050
Net cash flow: -£1,365/mo
Cash on cash: -5.8%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.74 - 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 10091523477Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 2050/mo (range 1800-2300)Rental economics · as of 12 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 2050/mo (range 1800-2300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 72 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£708,000

Rent Estimate (pcm)£2,050

Gross Yield2.98%

1y Growth-

3y Growth+2.3%

5y Growth+2.9%

10y Growth+3.6%

Last Sold Price£485,000 (2016-05-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1LA2 6DG

Approval Rate

100%12mo

Development

low

26/01078/PLDC
Proposed lawful development certificate for erection of single storey rear extension
Pending
26/00949/CU
Change of use of first floor flat to dental practice
Approved
26/0180/TPO
T2- Beech - Crown reduce by no more than 25% live crown
Approved

View Planning Timeline

Ownership

Corporate Ownership74.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-05-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,651

Population Density2,659 /km²

Owner Occupied93%

Age Distribution

0-15 13%16-64 48%65+ 39%

View Area Profile

Schools Nearby

Slyne-with-Hest, St Luke's, Church of England Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bolton-le-Sands Church of England Primary School
1.4 mi
Good
Beaumont College - A Salutem/Ambito College
1.5 mi
-
Great Wood Primary School
1.6 mi
Good

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

View All Schools

Comparables

View All

14 Hest Bank Lane
-
£900k
-
Birklands Hest Bank Lane
-
£1.42M
-
21 Hest Bank Lane
-
£530k
-
27B Hest Bank Lane
-
£325k
-

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