Iowa Cottage, Smithy Green, 3 Huddersfield Road, Newhey, Rochdale, OL16 3TG

UPRN:23092754Terrace Property4 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (58)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Iowa Cottage, Smithy Green, 3 Huddersfield Road, Newhey, Rochdale, OL16 3TG

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

£225,000

£214k - £237kHigh

Estimate

£225k

Range

£214k – £237k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

8.73%

Verdict

Derived from HomePortfolio scores

Iowa Cottage earns an INVESTIGATE rating with HP Score 56/100. Investment score 62/100 reflects moderate fundamentals. Walkability is limited (4/100). 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 NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

56/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

No data

Walkability

4/ 100

Low

Transit & Bike

Transit 28Bike 13

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is held on a lease but the UPRN is valued as a freehold house - the listing is likely a unit within the building

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£220,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £69,200
Net cash flow: £365/mo
Cash on cash: 6.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.15 - 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£225,000

Rent Estimate (pcm)£1,600

Gross Yield8.73%

1y Growth-

3y Growth+4.5%

5y Growth+5.8%

10y Growth+4.1%

Last Sold Price£197,000 (2021-09-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OL16 3TG

Approval Rate

100%12mo

Development

low

OTH/2026/0938
Submission of details to comply with condition 3 (materials) on planning permission 25/01009/LBC
Pending
25/00648/FUL
Change of use and replacement of 3no. touring caravan pitches with 2no. static holiday caravans (part retrospective)
Conditions
PL/2026/0319
Single storey side extension with roof lights
Pending

View Planning Timeline

Ownership

Corporate Ownership50.5%
Overseas OwnershipNo
Lease Term Remaining819 yrs
CovenantsNone
Lease TypeFreehold
Last Ownership Change2021-09-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

20 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density-

Owner Occupied69%

Age Distribution

0-15 16%16-64 63%65+ 21%

View Area Profile

Schools Nearby

St Thomas' Church of England Primary School
0.9 mi
Inspected as St Thomas' Church of England Primary School (URN 105824) on 10 Oct 2023
Newhey Community Primary School
1.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hollingworth Academy
1.3 mi
Good
Brookland School
1.4 mi
Good

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

View All Schools

Comparables

View All

5 Smithy Green
-
£200k
-
6A Smithy Green
-
£145k
-
Iowa Cottage, 3 Smithy Green
-
£197k
-
4 Smithy Green
-
£100k
-

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