98A Chain House Lane, Whitestake, PR4 4LB

UPRN:10096384693-Beds -Built -

Tenure: -Council Tax: -EPC: -

Data freshness:Price Paid· freshPlanning· freshRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 1mo agoArea· Census 2021

98A Chain House Lane, Whitestake, PR4 4LB

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

15 of 21 sources

Sale Estimate

£417,000

£334k - £500kLow

Estimate

£417k

Range

£334k – £500k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

3.09%

Verdict

Derived from HomePortfolio scores

98A Chain House Lane earns an INVESTIGATE rating with HP Score 69/100. Crime intensity is low. Walkability is limited (31/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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

69/ 100

Mixed

Investment Score

No data

Crime Score

19/ 100

Moderate

Walkability

31/ 100

Mixed

Transit & Bike

Transit 8Bike 32

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 3.1%; range width penalty ×0.87
- valuation_snapshotsrent estimate 1800/mo (range 1650-1950)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,760/mo, -98% 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 6 Nov 2026
Risk & liquidity9.3/15
857 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£699,950

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,650-£1,950

Interest rate5.4%

Loan to value75%

Cash required: £236,283
Net cash flow: -£1,116/mo
Cash on cash: -5.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.76 - 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 1800/mo (range 1650-1950)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 1800/mo (range 1650-1950)

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£417,000

Rent Estimate (pcm)£1,800

Gross Yield3.09%

1y Growth+161.2%

3y Growth-0.8%

5y Growth+1.9%

10y Growth+2.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

5PR4 4LB

Approval Rate

100%12mo

Development

low

07/2026/00784/DIS
Discharge of conditions 6, 12 and 13 pursuant to permission 07/2026/00438/FUL -Application for erection of 1no. detached dwelling (self-build/custom build), access from Green Lane, driveway and associated infrastructure.
Pending
07/2026/00764/FUL
Change of use of land from agricultural to a private horse riding menage / arena
Pending
07/2026/00762/FUL
Change of use of dwelling (Class C3) to a follow on care home for up to five young people aged 16-19 (Class C2)
Pending

View Planning Timeline