St Clements Court, 5 Sandy Lane, Rochdale, OL11 5DY

UPRN:23107569Flat/Maisonette1 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: D (56)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

St Clements Court, 5 Sandy Lane, Rochdale, OL11 5DY

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£83,000

£79k - £87kHigh

Estimate

£83k

Range

£79k – £87k

Rent Estimate (pcm)

£450

£400 - £450

Monthly

£450

Yield

6.75%

Verdict

Derived from HomePortfolio scores

St Clements Court earns an INVESTIGATE rating with HP Score 74/100. Investment score 56/100 reflects moderate fundamentals. Walkability is good (82/100). 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)Defra 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

74/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

No data

Walkability

82/ 100

High

Transit & Bike

Transit 43Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +3.6% (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 23107569· as of 13 Oct 2026
Rental economics13.7/40
gross yield 6.8%; range width penalty ×0.98
- valuation_snapshotsrent estimate 450/mo (range 400-450)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -151/mo, -34% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 28 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 3 Nov 2026
Risk & liquidity14.7/15
381 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

£60,000£92,000

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£80,000

At the asking price

Monthly rent£450/mo

Evidenced range £400-£450

Interest rate5.4%

Loan to value75%

Cash required: £25,300
Net cash flow: £42/mo
Cash on cash: 2.0%
Score at this price: 28

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.67 - 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 23107569Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 450/mo (range 400-450)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 450/mo (range 400-450)
Stress margin needs verification before you rely on it
service charge / ground rent from the advert

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. 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.
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£83,000

Rent Estimate (pcm)£450

Gross Yield6.75%

1y Growth+6.7%

3y Growth+5.1%

5y Growth+5.7%

10y Growth+4.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0OL11 5DY

Approval Rate

-12mo

Development

low

PL/2026/0963
Application to vary condition 2 (Plans) of planning permission PL/2026/0155 in order to increase the roof height of the detached garage/storage space
Pending
NOT/2026/0960
Prior approval for a proposed new 25-metre-high lattice tower with supporting 6 no. antennas, 12 no. ERS, and 2 no. transmission dishes and additional ancillary development.
Pending
OTH/2026/0937
Application for works to one Lime Tree (T1) subject to Tree Preservation Order No. 130 comprising of crown lift/epicormic growth removal and lateral crown reduction
Conditions

View Planning Timeline

Ownership

Corporate Ownership55.3%
Overseas OwnershipNo
Lease Term Remaining100 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,535

Population Density5,537 /km²

Owner Occupied69%

Age Distribution

0-15 22%16-64 56%65+ 22%

View Area Profile

Schools Nearby

Oulder Hill Leadership Academy
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Redwood
0.3 mi
Good
Meanwood Community Nursery and Primary School
0.3 mi
Good
St Vincent De Paul Roman Catholic Primary School, A Voluntary Academy
0.5 mi
Inspected as St Vincent's Roman Catholic Primary School, Rochdale (URN 105831) on 26 Sep 2023

1 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

St. Clements Court, 159 Sandy Lane
-
£80k
-
St. Clements Court, 159 Sandy Lane
-
£75k
-
St. Clements Court, 159 Sandy Lane
-
£75k
-
St. Clements Court, 159 Sandy Lane
-
£55k
-

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