686 Whitworth Road, Rochdale, OL12 0TG

UPRN:23052593Semi-Detached PropertyBeds -Built before 1900

LeaseholdCouncil Tax: Band EEPC: E (43)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£481,000

£385k - £578kLow

Estimate

£481k

Range

£385k – £578k

Rent Estimate (pcm)

£2,550

£2k - £3k

Monthly

£2,550

Yield

6.80%

Verdict

Derived from HomePortfolio scores

686 Whitworth Road earns an INVESTIGATE rating with HP Score 56/100. Investment score 51/100 reflects moderate fundamentals. Walkability is limited (24/100). 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

56/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

No data

Walkability

24/ 100

Low

Transit & Bike

Transit 38Bike 25

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 economics13.9/40
gross yield 6.8%; range width penalty ×0.96
- valuation_snapshotsrent estimate 2550/mo (range 2400-2700)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -154/mo, -6% 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 3 Nov 2026
Risk & liquidity9.2/15
421 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£450,000

At the asking price

Monthly rent£2,550/mo

Evidenced range £2,400-£2,700

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: £247/mo
Cash on cash: 2.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.68 - 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_snapshotsrent estimate 2550/mo (range 2400-2700)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 2550/mo (range 2400-2700)

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£481,000

Rent Estimate (pcm)£2,550

Gross Yield6.80%

1y Growth-

3y Growth+5.5%

5y Growth+4.9%

10y Growth+5.0%

Last Sold Price£249,950 (2003-05-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OL12 0TG

Approval Rate

-12mo

Development

low

PL/2026/0752
Alterations to fenestration on the front elevation to facilitate garage conversion
Conditions
PL/2026/0585
Two storey side extension and single storey rear extension
Conditions
OTH/2026/0761
Application for works to seven trees subject to Tree Preservation Order TPO012 consisting of crown reduction of Beech trees T1 & T2, crown reduction of sycamore trees T1,T2, T3 & T5 and fell and remove T4 sycamore tree
Conditions

View Planning Timeline