14 St James Terrace, Heywood, OL10 3AB

UPRN:23032843Mid Terrace House4 bedsBuilt before 1900

LeaseholdCouncil Tax: Band CEPC: C (71)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£203,000

£193k - £214kHigh

Estimate

£203k

Range

£193k – £214k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

8.53%

Verdict

Derived from HomePortfolio scores

14 St James Terrace earns an INVESTIGATE rating with HP Score 79/100. Investment score 65/100 reflects moderate fundamentals. Walkability is excellent (100/100). 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 NationsMarket 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

79/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

No data

100

Walkability

100/ 100

Excellent

Transit & Bike

Transit 45Bike 33

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£190,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,300-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: £293/mo
Cash on cash: 5.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.11 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£203,000

Rent Estimate (pcm)£1,350

Gross Yield8.53%

1y Growth+31.8%

3y Growth+7.0%

5y Growth+6.0%

10y Growth+5.7%

Last Sold Price£170,000 (2025-01-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OL10 3AB

Approval Rate

0%12mo

Development

low

PL/2026/0893
Use of land for B8 Open Storage with containers and boundary treatment (Part-Retrospective)
Pending
PL/2026/0785
Single storey front, part two storey part single storey rear extensions and first floor side extension together with removal of doorway to side elevation
Pending
OTH/2026/0849
Submission of details to comply with conditions 3 (risk assessment), 4 (demolition and construction method statement), 5 (highways), 6 (surface water drainage scheme), 7 (bat survey), 9 (materials) and 10 (specification of design) of planning permission 23/00876/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership49.4%
Overseas OwnershipNo
Lease Term Remaining810 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2025-01-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density6,790 /km²

Owner Occupied35%

Age Distribution

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

View Area Profile

Schools Nearby

Woodland Community Primary School
0.3 mi
Inspected as Bullough Moor Primary School (URN 105784) on 23 Nov 2005
Heywood Academy
0.3 mi
-
Holy Family Roman Catholic and Church of England College
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Joseph's Roman Catholic Primary School Rochdale, a Voluntary Academy
0.4 mi
Inspected as St Joseph's Roman Catholic Primary School, Rochdale (URN 105833) on 19 Feb 2020

8 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

14 St James Terrace
-
£170k
-
16 St James Terrace
-
£215k
-
12 St James Terrace
-
£200k
-
16 St James Terrace
-
£118k
-

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