Rose Cottage, White Coppice, Heapey, Chorley, PR6 9DE

UPRN:200004070259Detached House3 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: -

Data freshness:Listing· freshOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Rose Cottage, White Coppice, Heapey, Chorley, PR6 9DE

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£702,000

£562k - £842kLow

Estimate

£702k

Range

£562k – £842k

Rent Estimate (pcm)

£2,850

£3k - £3k

Monthly

£2,850

Yield

3.80%

Verdict

Derived from HomePortfolio scores

Rose Cottage earns an INVESTIGATE rating with HP Score 58/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (4/100). 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 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

4/ 100

Low

Transit & Bike

Transit 2Bike 17

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 3.8%; range width penalty ×0.81
- valuation_snapshotsrent estimate 2850/mo (range 2550-3100)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,832/mo, -64% 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 11 Nov 2026
Risk & liquidity9.3/15
391 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£899,995

At the asking price

Monthly rent£2,850/mo

Evidenced range £2,550-£3,100

Interest rate5.4%

Loan to value75%

Cash required: £306,299
Net cash flow: -£1,064/mo
Cash on cash: -4.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - 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 2850/mo (range 2550-3100)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 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 2850/mo (range 2550-3100)

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£702,000

Rent Estimate (pcm)£2,850

Gross Yield3.80%

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
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

3PR6 9DE

Approval Rate

0%12mo

Development

low

06/26/00818/FULHH
First floor rear extension over existing kitchen with balcony to rear
Pending
26/00818/FULHH
First floor rear extension over existing kitchen
Pending
06/26/00801/TPO
Application for works to a protected tree - Chorley Rural District Council TPO 1 (White Coppice, Heapey) 1974; Crown reduction of Ash.
Approved

View Planning Timeline

Ownership

Corporate Ownership63.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,337

Population Density140 /km²

Owner Occupied83%

Age Distribution

0-15 17%16-64 65%65+ 18%

View Area Profile

Schools Nearby

Brinscall St John's CofE and Methodist Primary School
1.5 mi
Good
St Peter's CofE Primary School Chorley
1.7 mi
Good
St Chad's Catholic Primary School
1.7 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Joseph's Catholic Primary School, Chorley
1.9 mi
Good

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Porch Cottages White Coppice
-
£710k
-
Lodge Bank Cottage White Coppice
-
£476k
-
Hillside White Coppice
-
£515k
-
Porch Cottages White Coppice
-
£525k
-

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