Accommodation, 55 Sandy Lane, Lydiate, L31 4DN

UPRN:41226217Detached House3 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

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

Accommodation, 55 Sandy Lane, Lydiate, L31 4DN

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

12 of 21 sources

Sale Estimate

£646,000

£582k - £711kMedium

Estimate

£646k

Range

£582k – £711k

Rent Estimate (pcm)

£3,100

£3k - £3k

Monthly

£3,100

Yield

5.35%

Verdict

Derived from HomePortfolio scores

Accommodation earns an INVESTIGATE rating with HP Score 76/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (48/100). 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 SourcesPortal listingsMarket 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

62/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

48/ 100

Mixed

Transit & Bike

Transit 13Bike 27

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£695,000

At the asking price

Monthly rent£3,100/mo

Evidenced range £2,850-£3,350

Interest rate5.4%

Loan to value75%

Cash required: £234,550
Net cash flow: -£199/mo
Cash on cash: -1.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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£646,000

Rent Estimate (pcm)£3,100

Gross Yield5.35%

1y Growth-

3y Growth+3.1%

5y Growth+2.8%

10y Growth+4.1%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0L31 4DN

Approval Rate

-12mo

Development

low

DC/2026/01797
Proposed rear dormer extension to roof, front porch canopy, single-storey extension to side, single-storey extension to rear and rooflights to front.
Pending
DC/2026/01700
Installation of a standalone 96 sqm timber framed pergola with pitched timber/shingle roof
Pending
DC/2026/01523
Timber open sided pergola with pitched roof within rear garden (Retrospective 31/05/2026).
Pending

View Planning Timeline

Ownership

Corporate Ownership67.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,335

Population Density1,989 /km²

Owner Occupied93%

Age Distribution

0-15 15%16-64 58%65+ 27%

View Area Profile

Schools Nearby

Acre View Primary School
0.3 mi
Good
St Gregory's Catholic Primary School
0.4 mi
Report card2025
Ofsted no longer awards a single overall grade.
Lydiate Primary School
0.5 mi
Good
St Thomas Church of England Primary School, Lydiate
0.8 mi
Outstanding

6 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

95 Sandy Lane
-
£573k
-
95 Sandy Lane
-
£350k
-
95 Sandy Lane
-
£230k
-

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