53 Cote Lane, Littleborough, OL15 9LL

UPRN:23085996Semi-Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band DEPC: E (49)

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

Mixed

Verdict

today

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

Evidence

16 of 21 sources

Sale Estimate

£423,000

£402k - £444kHigh

Estimate

£423k

Range

£402k – £444k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

5.71%

Verdict

Derived from HomePortfolio scores

53 Cote Lane earns an INVESTIGATE rating with HP Score 60/100. Investment score 48/100 reflects below-average fundamentals. Walkability is limited (35/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

No data

Walkability

35/ 100

Mixed

Transit & Bike

Transit 16Bike 12

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +3.1% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 23085996· as of 13 Oct 2026
Rental economics5.3/40
gross yield 5.7%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1950/mo (range 1800-2050)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -426/mo, -22% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 139 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 5 Nov 2026
Risk & liquidity14.7/15
179 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£307,500£471,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£410,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,800-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £134,800
Net cash flow: -£34/mo
Cash on cash: -0.3%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - 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_snapshotsestimate for 23085996Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1950/mo (range 1800-2050)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1950/mo (range 1800-2050)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 139 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£423,000

Rent Estimate (pcm)£1,950

Gross Yield5.71%

1y Growth-

3y Growth+1.7%

5y Growth+4.1%

10y Growth+5.2%

Last Sold Price£275,000 (2019-07-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OL15 9LL

Approval Rate

-12mo

Development

low

OTH/2026/0970
Submission of details to comply with conditions 4 (Sustainable Surface Water Drainage Scheme) and 5 (Habitat Management and Monitoring Plan) of planning permission PL/2026/0535
Pending
PL/2026/0878
Change of use from general industrial unit (Use Class B2) to a gymnasium (Use Class E(d))
Pending
OTH/2026/0743
Request to crown lift by 4.5 metres and crown thin up to 20% of 1 No. protected Sycamore Tree identified as T69 within TPO259
Conditions

View Planning Timeline

Ownership

Corporate Ownership55.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-07-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density-

Owner Occupied83%

Age Distribution

0-15 20%16-64 66%65+ 14%

View Area Profile

Schools Nearby

St Mary's Roman Catholic Primary School, a Voluntary Academy
0.5 mi
Inspected as St Mary's Roman Catholic Primary School, Littleborough (URN 105816) on 25 Nov 2021
Littleborough Community Primary School
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St James' Church of England Primary School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.
Wardle Academy
0.8 mi
Good

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Shore Cottage Cote Lane
-
£180k
-
53 Cote Lane
-
£275k
-
23 Cote Lane
-
£223k
-

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