46 Cotton Tree Lane, Colne, BB8 7BH

UPRN:61027313-Beds -Built before 1900

Tenure: -Council Tax: Band AEPC: D (64)

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£188,000

£169k - £206kMedium

Estimate

£188k

Range

£169k – £206k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

10.45%

Verdict

Derived from HomePortfolio scores

46 Cotton Tree Lane earns an INVESTIGATE rating with HP Score 74/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (45/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

74/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

45/ 100

Mixed

Transit & Bike

Transit 14Bike 18

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 estimate sits 18% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +17.6% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 61027313· as of 10 Oct 2026
Rental economics40/40
gross yield 10.5%; range width penalty ×1.00; the estimate this rent rides on sits 18% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1350/mo (range 1300-1400)· as of 10 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this home· as of 10 Oct 2026· verify before relying on this
Stress margin15.4/30
stressed cash flow +208/mo, +15% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 55 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 & liquidity12.9/15
316 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 sensitivityScores 80+ up to £116,000

£116,000£178,000

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£155,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,300-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £48,400
Net cash flow: £411/mo
Cash on cash: 10.2%
Score at this price: 68

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.58 - 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 61027313Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 1350/mo (range 1300-1400)Rental economics · as of 10 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 18% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_date

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 1350/mo (range 1300-1400)
Rental economics needs verification before you rely on it
sale estimate 18% 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. Set your walk-away price before viewing - above £116,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£188,000

Rent Estimate (pcm)£1,350

Gross Yield10.45%

1y Growth-

3y Growth+5.5%

5y Growth+1.0%

10y Growth+3.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0BB8 7BH

Approval Rate

-12mo

Development

low

26/0746/TWR
Beach tree at the front of 4 bent lane Colne. The tree works would consist of a 25% reduction to clear over hang of bent lane rd and to free phone lines.
Pending
26/0706/FUL
Full: Change of use of part of the building from a workshop (Use Class E) to a Community Facility (Use Class F2) and external alterations.
Pending
26/0682/NMA
Non-Material Amendment: Alterations to window material and the installation of a flue pipe of Planning Permission 26/0217/HHO.
Rejected

View Planning Timeline

Ownership

Corporate Ownership64.1%
Overseas OwnershipNo
Lease Term Remaining869 yrs
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,742

Population Density981 /km²

Owner Occupied80%

Age Distribution

0-15 17%16-64 62%65+ 21%

View Area Profile

Schools Nearby

Colne Christ Church Church of England Voluntary Aided Primary School
0.3 mi
Good
Park Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Colne Park High School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Newtown Nursery School
0.6 mi
Good

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

View All Schools

Comparables

View All

Sunny Brae Cotton Tree Lane
-
£288k
-
Ele Advanced Technologies Ltd Cotton Tree Lane
-
£4.92M
-
Sunny Brae Cotton Tree Lane
-
£180k
-
44 Cotton Tree Lane
-
£170k
-

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