8 Fitzgerald Drive, Darwen, BB3 3FH

UPRN:200004506180Semi-Detached House3 bedsBuilt 2012-2021

LeaseholdCouncil Tax: Band CEPC: C (78)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£190,000

£171k - £210kMedium

Estimate

£190k

Range

£171k – £210k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

7.88%

Verdict

Derived from HomePortfolio scores

8 Fitzgerald Drive earns an INVESTIGATE rating with HP Score 72/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (73/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

73/ 100

High

Transit & Bike

Transit 34Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 10 Nov 2026

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

Check before relying on this score: the estimate sits 16% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +15.8% (MEDIUM)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 11 Nov 2026
- valuation_snapshotsestimate for 200004506180· as of 11 Nov 2026
Rental economics21/40
gross yield 7.9%; range width penalty ×0.91; the estimate this rent rides on sits 16% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1050/mo (range 1000-1150)· as of 11 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 16% above the ask on the same snapshot - verify the rent describes this home· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -33/mo, -3% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 10 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 40 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 10 Nov 2026
Risk & liquidity12.7/15
522 sales/12mo in area; valuation range width 21%
- 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

£120,000£184,000

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£160,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: £187/mo
Cash on cash: 4.5%
Score at this price: 34

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.94 - clears 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 200004506180Valuation edge · as of 11 Nov 2026
valuation_snapshotsrent estimate 1050/mo (range 1000-1150)Rental economics · as of 11 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 16% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_date

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 1050/mo (range 1000-1150)
Rental economics needs verification before you rely on it
sale estimate 16% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£190,000

Rent Estimate (pcm)£1,050

Gross Yield7.88%

1y Growth+41.3%

3y Growth-0.1%

5y Growth+2.0%

10y Growth+3.7%

Last Sold Price£135,000 (2016-03-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0BB3 3FH

Approval Rate

-12mo

Development

low

10/26/0518
Change of use of first floor to create new two bedroom flat (Use Class C3) and external alterations to side elevation
Pending
10/26/0522
Discharge Condition 11 "validation report" pursuant to planning application 10/24/0729
Pending
10/26/0456
Proposed first floor side extension
Pending

View Planning Timeline

Ownership

Corporate Ownership58.7%
Overseas OwnershipNo
Lease Term Remaining229 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-03-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,502

Population Density3,261 /km²

Owner Occupied54%

Age Distribution

0-15 21%16-64 60%65+ 19%

View Area Profile

Schools Nearby

Darwen St James CofE Primary Academy
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Darwen Aldridge Sudell Primary
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Darwen Aldridge Community Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Turncroft Nursery School
0.5 mi
-

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

View All Schools

Comparables

View All

5 Fitzgerald Drive
-
£180k
-
9 Fitzgerald Drive
-
£160k
-
3 Fitzgerald Drive
-
£130k
-
7 Fitzgerald Drive
-
£140k
-

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