46 Charlotte Street, Rochdale, OL16 4TJ

UPRN:23067494Terrace Property2 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band AEPC: C (76)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£156,000

£148k - £164kHigh

Estimate

£156k

Range

£148k – £164k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

8.80%

Verdict

Derived from HomePortfolio scores

46 Charlotte Street earns an INVESTIGATE rating with HP Score 75/100. Investment score 59/100 reflects moderate fundamentals. Walkability is good (78/100). 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)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 2021HM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

59/ 100

Moderate

Crime Score

No data

Walkability

78/ 100

High

Transit & Bike

Transit 55Bike 39

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£150,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £46,800
Net cash flow: £255/mo
Cash on cash: 6.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.17 - 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£156,000

Rent Estimate (pcm)£1,100

Gross Yield8.80%

1y Growth+35.3%

3y Growth+4.5%

5y Growth+5.8%

10y Growth+4.1%

Last Sold Price£84,000 (2016-08-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3OL16 4TJ

Approval Rate

100%12mo

Development

low

PL/2026/0966
Single storey side and rear extension
Pending
PL/2026/0797
Single-storey rear extension
Pending
PL/2026/0905
Two storey side extension
Pending

View Planning Timeline

Ownership

Corporate Ownership50.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-08-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density-

Owner Occupied75%

Age Distribution

0-15 24%16-64 60%65+ 16%

View Area Profile

Schools Nearby

St Mary's Church of England Primary School, Balderstone
0.0 mi
Inspected as St Mary's Church of England Primary School, Balderstone (URN 105804) on 6 Oct 2022
Lowerplace Primary School
0.3 mi
Good
Kingsway Park High School
0.4 mi
-
Holy Family Roman Catholic Primary School, a Voluntary Academy
0.5 mi
-

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

View All Schools

Comparables

View All

34 Charlotte Street
-
£150k
-
21 Charlotte Street
-
£171k
-
28 Charlotte Street
-
£147k
-
30 Charlotte Street
-
£155k
-

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