27 Derby Street, Colne, BB8 9AA

UPRN:61020440Terrace Property3 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (65)

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

HP Score

/ 100

Strong

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£87,000

£82k - £91kHigh

Estimate

£87k

Range

£82k – £91k

Rent Estimate (pcm)

£650

£600 - £650

Monthly

£650

Yield

9.18%

Verdict

Derived from HomePortfolio scores

27 Derby Street earns an INVESTIGATE rating with HP Score 75/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is moderate. 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 NationsMarket 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

75/ 100

Strong

Investment Score

72/ 100

High

Crime Score

39/ 100

Elevated

Walkability

82/ 100

High

Transit & Bike

Transit 33Bike 43

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Under offer' - sale already progressing, not an actionable opportunity

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£85,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£650

Interest rate5.4%

Loan to value75%

Cash required: £26,800
Net cash flow: £163/mo
Cash on cash: 7.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.27 - 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£87,000

Rent Estimate (pcm)£650

Gross Yield9.18%

1y Growth-65.4%

3y Growth+5.5%

5y Growth+1.0%

10y Growth+3.8%

Last Sold Price£58,500 (2011-08-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1BB8 9AA

Approval Rate

0%12mo

Development

low

26/0749/CEU
Certificate of Lawful Use (S.191 Existing Development): Use of property for residential House in Multiple Occupation (HMO) (Use Class C4) for 5 people.
Pending
26/0716/FUL
Full: Replacement of existing UPVC windows to sash windows.
Pending
26/0675/VAR
Variation of Condition: Vary Condition 2 (Plans) of Planning Permission 23/0674/FUL.
Pending

View Planning Timeline

Ownership

Corporate Ownership64.1%
Overseas OwnershipNo
Lease Term Remaining856 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2011-08-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,742

Population Density5,598 /km²

Owner Occupied55%

Age Distribution

0-15 19%16-64 60%65+ 21%

View Area Profile

Schools Nearby

Colne Lord Street School
0.1 mi
Good
West Street Community Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Newtown Nursery School
0.5 mi
Good
Sacred Heart Roman Catholic Primary School, a Voluntary Academy
0.6 mi
Inspected as Sacred Heart Roman Catholic Primary School, Colne (URN 119653) on 26 Sep 2017

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

View All Schools

Comparables

View All

12 Derby Street
-
£80k
-
43 Derby Street
-
£83k
-
31 Derby Street
-
£95k
-
7 Derby Street
-
£97k
-

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