9 Essex Street, Colne, BB8 0HB

UPRN:61023777Terrace Property2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: C (70)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£74,000

£70k - £78kHigh

Estimate

£74k

Range

£70k – £78k

Rent Estimate (pcm)

£550

£500 - £550

Monthly

£550

Yield

5.28%

Verdict

Derived from HomePortfolio scores

9 Essex Street earns an INVESTIGATE rating with HP Score 66/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (80/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

66/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

62/ 100

Elevated

Walkability

80/ 100

High

Transit & Bike

Transit 24Bike 31

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 9 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 edge-1.6/15
claims [AVM -68.9% (HIGH)] → measured edge -0.33pp 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 (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 61023777· as of 12 Oct 2026
Rental economics2.2/40
gross yield 5.3%; range width penalty ×1.00
- valuation_snapshotsrent estimate 550/mo (range 500-550)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -253/mo, -46% 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 9 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 37 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 9 Nov 2026
Risk & liquidity14.5/15
316 sales/12mo in area; valuation range width 11%
- 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

£94,000£144,000

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£125,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£550

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: -£41/mo
Cash on cash: -1.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.30 - 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 61023777Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 550/mo (range 500-550)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 550/mo (range 500-550)
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. 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£74,000

Rent Estimate (pcm)£550

Gross Yield5.28%

1y Growth+30.9%

3y Growth+5.5%

5y Growth+1.0%

10y Growth+3.8%

Last Sold Price£70,000 (2026-03-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB8 0HB

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 Remaining853 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2026-03-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,742

Population Density-

Owner Occupied41%

Age Distribution

0-15 20%16-64 63%65+ 17%

View Area Profile

Schools Nearby

West Street Community Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Newtown Nursery School
0.3 mi
Good
Colne Lord Street School
0.4 mi
Good
Park Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

1 Essex Street
-
£74k
-
9 Essex Street
-
£70k
-
28 Essex Street
-
£130k
-
3 Essex Street
-
£107k
-

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