20 Clovelly Street, Rochdale, OL11 3HL

UPRN:23041276Semi-Detached HouseBeds -Built 1967-1975

FreeholdCouncil Tax: Band AEPC: C (69)

Data freshness:Listing· freshPlanning· freshOwnership· 1mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£171,000

£154k - £189kMedium

Estimate

£171k

Range

£154k – £189k

Rent Estimate (pcm)

£1,000

£900 - £1k

Monthly

£1,000

Yield

6.86%

Verdict

Derived from HomePortfolio scores

20 Clovelly Street earns an INVESTIGATE rating with HP Score 69/100. Investment score 51/100 reflects moderate fundamentals. Walkability is good (75/100). 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 SourcesEPC RegisterPortal 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 2021HM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

No data

Walkability

75/ 100

High

Transit & Bike

Transit 27Bike 36

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£175,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £900-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £54,800
Net cash flow: £102/mo
Cash on cash: 2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.69 - 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£171,000

Rent Estimate (pcm)£1,000

Gross Yield6.86%

1y Growth-

3y Growth+5.1%

5y Growth+5.7%

10y Growth+4.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OL11 3HL

Approval Rate

-12mo

Development

low

PL/2026/0989
Application for a certificate of lawfulness for the proposed use off office 6 as a private hire operating centre
Pending
PL/2026/0864
Lawful development certificate for a proposed rear mono pitched extension together with 1.8m high rear boundary fencing
Approved
PL/2026/0861
Single storey side extension and construction of a detached garage/outbuilding following demolition of existing garage
Pending

View Planning Timeline

Ownership

Corporate Ownership55.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density4,226 /km²

Owner Occupied72%

Age Distribution

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

View Area Profile

Schools Nearby

Matthew Moss High School
0.2 mi
Good
St Edward's Church of England Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Marland Hill Community Primary School
0.6 mi
Good
All Souls Church of England Primary School
0.7 mi
Outstanding

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

View All Schools

Comparables

View All

2 Clovelly Street
-
£96k
-
4 Clovelly Street
-
£115k
-
34 Clovelly Street
-
£124k
-
21 Clovelly Street
-
£105k
-

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