104 Huddersfield Road, Diggle, Oldham, OL3 5NU

UPRN:422000104084Semi-Detached House3 bedsBuilt 1996-2002

LeaseholdCouncil Tax: Band DEPC: C (70)

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

104 Huddersfield Road, Diggle, Oldham, OL3 5NU

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£489,000

£440k - £538kMedium

Estimate

£489k

Range

£440k – £538k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

2.02%

Verdict

Derived from HomePortfolio scores

104 Huddersfield Road earns an INVESTIGATE rating with HP Score 61/100. Investment score 57/100 reflects moderate fundamentals. Walkability is limited (31/100). 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 2021HM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

No data

Walkability

31/ 100

Mixed

Transit & Bike

Transit 21Bike 24

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: the advert has 5 bedrooms but the valuation snapshot describes 3 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -58.3% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 422000104084· as of 9 Oct 2026
Rental economics0/40
gross yield 2.0%; range width penalty ×0.74
- valuation_snapshotsrent estimate 1300/mo (range 1150-1450)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,440/mo, -188% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 112 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 & liquidity12.8/15
175 sales/12mo in area; valuation range width 20%
- 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

£580,500£890,000

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£774,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,150-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £262,200
Net cash flow: -£1,712/mo
Cash on cash: -7.8%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.50 - below 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 422000104084Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1300/mo (range 1150-1450)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
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 1300/mo (range 1150-1450)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 112 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. 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£489,000

Rent Estimate (pcm)£1,300

Gross Yield2.02%

1y Growth-46.9%

3y Growth+5.7%

5y Growth+3.0%

10y Growth+3.7%

Last Sold Price£270,000 (2017-08-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2OL3 5NU

Approval Rate

100%12mo

Development

low

PRA2D/356853/26
Prior approval to convert the agricultural building into 2 no. dwellings.
Pending
HOU/356721/26
1) Two storey side extension 2) Single storey front extension 3) First floor side extension 4) Increase in height.
Pending
HHC/356782/26
Lleylandii hedge has grown to 16 feet, restricts our view and places some of our front garden in the shade which results in rapid growth of moss and makes lawn maintenance very difficult.
Pending

View Planning Timeline

Ownership

Corporate Ownership70.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-08-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£29,124

Population Density-

Owner Occupied71%

Age Distribution

0-15 15%16-64 56%65+ 29%

View Area Profile

Schools Nearby

Diggle School
0.5 mi
Good
St Chad's Church of England Primary School
0.7 mi
Good
Saddleworth School
0.8 mi
Inspected as Saddleworth School (URN 105736) on 30 Jan 2024
Holy Trinity CofE Dobcross Primary School
0.8 mi
Inspected as Holy Trinity CofE Dobcross Primary School (URN 105691) on 5 May 2023

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

129 Huddersfield Road
-
£293k
-
165 Huddersfield Road
-
£145k
-
113 Huddersfield Road
-
£191k
-
171 Huddersfield Road
-
£361k
-

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