15 Fourth Avenue, Chadderton, Oldham, OL9 8PG

UPRN:422000005331Terrace Property2 bedsBuilt 1950-1966

LeaseholdCouncil Tax: Band BEPC: C (69)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 3mo ago

15 Fourth Avenue, Chadderton, Oldham, OL9 8PG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£206,000

£196k - £216kHigh

Estimate

£206k

Range

£196k – £216k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

8.92%

Verdict

Derived from HomePortfolio scores

15 Fourth Avenue earns an INVESTIGATE rating with HP Score 67/100. Investment score 55/100 reflects moderate fundamentals. Walkability is limited (60/100). 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 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

No data

Walkability

60/ 100

Moderate

Transit & Bike

Transit 58Bike 36

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 4 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 +5.3% (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 422000005331· as of 13 Oct 2026
Rental economics31.2/40
gross yield 8.9%; range width penalty ×0.99
- valuation_snapshotsrent estimate 1450/mo (range 1400-1550)· as of 13 Oct 2026· verify before relying on this
Stress margin7.8/30
stressed cash flow +113/mo, +8% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 168 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 4 Nov 2026
Risk & liquidity14.7/15
357 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 sensitivityScores 70+ up to £166,000

£146,000£224,000

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£195,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,400-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £61,200
Net cash flow: £346/mo
Cash on cash: 6.8%
Score at this price: 54

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.20 - 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 422000005331Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1450/mo (range 1400-1550)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1450/mo (range 1400-1550)
Stress margin needs verification before you rely on it
costs not disclosed by 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. 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. Set your walk-away price before viewing - above £166,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. 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.

Valuation & Market

Sale Estimate£206,000

Rent Estimate (pcm)£1,450

Gross Yield8.92%

1y Growth-

3y Growth+5.4%

5y Growth+5.1%

10y Growth+6.9%

Last Sold Price£70,000 (2015-01-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1OL9 8PG

Approval Rate

100%12mo

Development

low

HOU/356914/26
Single storey rear extension.
Pending
FUL/356890/26
Change of use from GP Surgery to 6 no. apartments (Use Class C3), external garden room, new amenity areas, and revised parking arrangements
Pending
TEN/356988/26
OLDH-X-YY FTTP VM POPAP - 1538mm (W) 400mm (D) 1515mm (H)
Approved

View Planning Timeline

Ownership

Corporate Ownership47%
Overseas OwnershipNo
Lease Term Remaining860 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2015-01-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,124

Population Density3,973 /km²

Owner Occupied56%

Age Distribution

0-15 22%16-64 63%65+ 15%

View Area Profile

Schools Nearby

Christ Church CofE Primary School
0.1 mi
Good
Saint John Henry Newman Roman Catholic College, A Voluntary Academy
0.3 mi
Inspected as Blessed John Henry Newman Roman Catholic College (URN 136432) on 17 May 2023
Kingfisher Special School
0.4 mi
Inspected as The Kingfisher Community Special School (URN 133369) on 3 Dec 2014
Chances Mentoring
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

7 Fourth Avenue
-
£195k
-
21 Fourth Avenue
-
£110k
-
17 Fourth Avenue
-
£95k
-
1 Fourth Avenue
-
£65k
-

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