4 Mitchell Street, Colne, BB8 9BZ

UPRN:61020795Mid Terrace House3 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: F (36)

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

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

£111,000

£89k - £133kLow

Estimate

£111k

Range

£89k – £133k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

8.73%

Verdict

Derived from HomePortfolio scores

4 Mitchell Street earns an INVESTIGATE rating with HP Score 72/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (73/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

39/ 100

Elevated

Walkability

73/ 100

High

Transit & Bike

Transit 36Bike 39

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics28.4/40
gross yield 8.7%; range width penalty ×0.95
- valuation_snapshotsrent estimate 800/mo (range 750-850)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -6/mo, -1% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Risk & liquidity9.3/15
316 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£109,950

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £34,286
Net cash flow: £183/mo
Cash on cash: 6.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.16 - 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_snapshotsrent estimate 800/mo (range 750-850)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 750-850)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£111,000

Rent Estimate (pcm)£800

Gross Yield8.73%

1y Growth-

3y Growth+5.5%

5y Growth+1.0%

10y Growth+3.8%

Last Sold Price£58,000 (2013-04-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB8 9BZ

Approval Rate

-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 Remaining867 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2013-04-11
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 Density-

Owner Occupied55%

Age Distribution

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

View Area Profile

Schools Nearby

Colne Lord Street School
0.2 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

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

View All Schools

Comparables

View All

15 Mitchell Street
-
£65k
-
11 Mitchell Street
-
£69k
-
3 Mitchell Street
-
£45k
-
12 Mitchell Street
-
£110k
-

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