39 Cleveland Street, Colne, BB8 0BD

UPRN:61024271Terrace Property2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: Band AEPC: D (61)

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

HP Score

/ 100

Strong

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£72,000

£69k - £76kHigh

Estimate

£72k

Range

£69k – £76k

Rent Estimate (pcm)

£500

£500 - £550

Monthly

£500

Yield

12.00%

Verdict

Derived from HomePortfolio scores

39 Cleveland Street earns an INVESTIGATE rating with HP Score 75/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is low. Walkability is good (70/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

71/ 100

High

Crime Score

32/ 100

Moderate

Walkability

70/ 100

High

Transit & Bike

Transit 32Bike 25

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 2 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 estimate sits 31% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +30.6% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 61024271· as of 12 Oct 2026
Rental economics40/40
gross yield 12.0%; range width penalty ×1.00; the estimate this rent rides on sits 31% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 500/mo (range 500-550)· as of 12 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 31% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
Stress margin5.3/30
stressed cash flow +27/mo, +5% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Seller motivationNot scored
context, not scored: 2 price cut(s), 40 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 2 Nov 2026
Risk & liquidity14.7/15
316 sales/12mo in area; valuation range width 10%
- 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 sensitivityScores 70+ up to £37,500

£37,500£57,500

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£50,000

At the asking price

Monthly rent£500/mo

Evidenced range £500-£550

Interest rate5.4%

Loan to value75%

Cash required: £16,300
Net cash flow: £177/mo
Cash on cash: 13.1%
Score at this price: 60

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.96 - 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 61024271Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 500/mo (range 500-550)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 31% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 500/mo (range 500-550)
Rental economics needs verification before you rely on it
sale estimate 31% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £37,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.

Valuation & Market

Sale Estimate£72,000

Rent Estimate (pcm)£500

Gross Yield12.00%

1y Growth+23.8%

3y Growth+5.5%

5y Growth+1.0%

10y Growth+3.8%

Last Sold Price£56,000 (2021-03-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB8 0BD

Approval Rate

-12mo

Development

low

26/0664/TPO
Removal of a dead Ash Tree
Conditions
26/0651/TCA
The Hawthorn bushes are adjacent to footpath FP 1304124 approximately 50 meters further up the footpath beside an open gateway between the middle fields on the Triangle. A number of other trees and shrubs are significantly overgrowing into the Lidgett Triangle around the perimeter, particularly a number of houses on Keighley road, Bent lane and Skipton old road. The works is intended to provide essential maintenance for the environmental health of the fields and improve the overall appearance.
Approved
26/0652/FUL
Full: Change of use of land to private driveway and altered vehicular access.
Pending

View Planning Timeline

Ownership

Corporate Ownership64.1%
Overseas OwnershipNo
Lease Term Remaining884 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2021-03-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,742

Population Density8,826 /km²

Owner Occupied62%

Age Distribution

0-15 23%16-64 66%65+ 11%

View Area Profile

Schools Nearby

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

5 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

34 Cleveland Street
-
£82k
-
55 Cleveland Street
-
£53k
-
37 Cleveland Street
-
£70k
-
27 Cleveland Street
-
£41k
-

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