3 Rowanwood, Chadderton, Oldham, OL9 9TH

UPRN:422000008296Detached House4 bedsBuilt 1983-1990

FreeholdCouncil Tax: Band EEPC: C (73)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 3mo ago

3 Rowanwood, Chadderton, Oldham, OL9 9TH

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£503,000

£478k - £528kHigh

Estimate

£503k

Range

£478k – £528k

Rent Estimate (pcm)

£2,700

£3k - £3k

Monthly

£2,700

Yield

5.63%

Verdict

Derived from HomePortfolio scores

3 Rowanwood earns an INVESTIGATE rating with HP Score 60/100. Investment score 52/100 reflects moderate fundamentals. Walkability is limited (26/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

No data

Walkability

26/ 100

Low

Transit & Bike

Transit 30Bike 33

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£575,000

At the asking price

Monthly rent£2,700/mo

Evidenced range £2,500-£2,900

Interest rate5.4%

Loan to value75%

Cash required: £192,550
Net cash flow: -£71/mo
Cash on cash: -0.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - 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£503,000

Rent Estimate (pcm)£2,700

Gross Yield5.63%

1y Growth-

3y Growth+5.4%

5y Growth+5.1%

10y Growth+6.9%

Last Sold Price£220,000 (2008-12-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0OL9 9TH

Approval Rate

-12mo

Development

low

HOU/357084/26
Single storey rear extension
Pending
HOU/356952/26
Two storey rear extension.
Pending
HOU/356905/26
1) Demolition of existing conservatory and single storey side extension 2) Erection of a single-storey rear extension and two-storey side extension.
Pending

View Planning Timeline

Ownership

Corporate Ownership47%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-12-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,124

Population Density4,906 /km²

Owner Occupied86%

Age Distribution

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

View Area Profile

Schools Nearby

Mills Hill Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Gabriel's Church of England Primary School
0.3 mi
Good
The Radclyffe School
0.5 mi
Inspected as The Radclyffe School (URN 105738) on 27 Feb 2024
Elm Wood Primary School
0.5 mi
Good

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

View All Schools

Comparables

View All

10 Rowanwood
-
£286k
-
18 Rowanwood
-
£330k
-
10 Rowanwood
-
£220k
-
16 Rowanwood
-
£90k
-

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