Daisy Cottage, 2C Old Masons Yard, Cross Haw Lane, Clapham, Lancaster, LA2 8EB

UPRN:10092992948Bungalow Property2 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

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

Daisy Cottage, 2C Old Masons Yard, Cross Haw Lane, Clapham, Lancaster, LA2 8EB

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£325,000

£260k - £389kLow

Estimate

£325k

Range

£260k – £389k

Rent Estimate (pcm)

£1,050

£900 - £1k

Monthly

£1,050

Yield

4.27%

Verdict

Derived from HomePortfolio scores

Daisy Cottage earns an INVESTIGATE rating with HP Score 64/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (31/100). 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 SourcesPortal listingsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

31/ 100

Mixed

Transit & Bike

Transit 4Bike 11

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 4.3%; range width penalty ×0.72
- valuation_snapshotsrent estimate 1050/mo (range 900-1150)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -603/mo, -57% 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 7 Nov 2026
Risk & liquidity9.3/15
189 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£295,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £900-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £94,550
Net cash flow: -£269/mo
Cash on cash: -3.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.05 - 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_snapshotsrent estimate 1050/mo (range 900-1150)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1050/mo (range 900-1150)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£325,000

Rent Estimate (pcm)£1,050

Gross Yield4.27%

1y Growth-

3y Growth+2.3%

5y Growth+2.9%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LA2 8EB

Approval Rate

-12mo

Development

low

C/18/42C
Householder planning permission to replace existing roof tiles, together with installation of integrated solar panels; install an EV charger; and add a fence and gate to back garden
Pending
C/18/109Q
Householder planning permission for refurbishment, repair, restoration and associated works to Ingleborough Hall, including use of the ancillary accommodation within the former service wing and associated cottage for short-term holiday letting
Pending
C/18/109R/LB
Listed building consent for refurbishment, repair, restoration and associated works to Ingleborough Hall, including use of the ancillary accommodation within the former service wing and associated cottage for short-term holiday letting
Pending

View Planning Timeline

Ownership

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

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density13 /km²

Owner Occupied80%

Age Distribution

0-15 12%16-64 54%65+ 34%

View Area Profile

Schools Nearby

Austwick Church of England VA Primary School
1.6 mi
-
Ingleton Primary School
3.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Bentham Community Primary School
5.1 mi
Good
Giggleswick Primary School
5.3 mi
GoodConcerns

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

View All Schools

Comparables

View All

Dalesmoor Homes Ltd Old Masons Yard
-
£200k
-
3 Old Masons Yard
-
£342k
-
4 Old Masons Yard
-
£233k
-
5 Old Masons Yard
-
£218k
-

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