98 Ramsden Road, Wardle, Rochdale, OL12 9NT

UPRN:23080823Mid Terrace House3 bedsBuilt before 1900

LeaseholdCouncil Tax: Band BEPC: C (71)

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

98 Ramsden Road, Wardle, Rochdale, OL12 9NT

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£238,000

£226k - £250kHigh

Estimate

£238k

Range

£226k – £250k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

8.00%

Verdict

Derived from HomePortfolio scores

98 Ramsden Road earns an INVESTIGATE rating with HP Score 64/100. Investment score 53/100 reflects moderate fundamentals. Walkability is limited (42/100). 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 2021HM Land Registry company ownershipHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

No data

Walkability

42/ 100

Mixed

Transit & Bike

Transit 17Bike 12

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£240,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: £298/mo
Cash on cash: 4.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.98 - 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£238,000

Rent Estimate (pcm)£1,600

Gross Yield8.00%

1y Growth-

3y Growth+5.5%

5y Growth+4.9%

10y Growth+5.0%

Last Sold Price£109,000 (2014-09-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OL12 9NT

Approval Rate

-12mo

Development

low

PL/2026/0875
Change of use of part of grass verge to form extension of existing driveway together with dropped kerb.
Pending
OTH/2026/0958
Proposed works to 1No. Sycamore Tree situated within Wardle Conservation Area. Create 1m clearance around telecoms pole DP564 to allow for the installation of overhead cabling.
Pending
OTH/2026/0763
Submission of details to comply with conditions 3 (Materials), 4 (Window and Door Details), 5 (Phase 1 Contamination Report) and 6 (Foul Water Drainage) of planning permission 24/00386/PRA56
Pending

View Planning Timeline

Ownership

Corporate Ownership53.3%
Overseas OwnershipNo
Lease Term Remaining847 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2014-09-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density-

Owner Occupied79%

Age Distribution

0-15 22%16-64 60%65+ 18%

View Area Profile

Schools Nearby

St James' Church of England Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wardle Academy
0.5 mi
Good
Great Howarth School
0.7 mi
Good
St Andrew's Church of England Primary School and Nursery
0.9 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

140 Ramsden Road
-
£135k
-
130 Ramsden Road
-
£293k
-
130 Ramsden Road
-
£265k
-
134 Ramsden Road
-
£68k
-

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