140 Cowlersley Lane, Huddersfield, HD4 5UJ

UPRN:83013321Terrace Property3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: D (60)

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

140 Cowlersley Lane, Huddersfield, HD4 5UJ

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

£233,000

£221k - £244kHigh

Estimate

£233k

Range

£221k – £244k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

7.25%

Verdict

Derived from HomePortfolio scores

140 Cowlersley Lane earns an INVESTIGATE rating with HP Score 73/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (61/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

61/ 100

Moderate

Transit & Bike

Transit 42Bike 37

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-1.6/15
claims [AVM -13.7% (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 83013321· as of 12 Oct 2026
Rental economics18/40
gross yield 7.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1600/mo (range 1500-1650)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -72/mo, -4% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 3 Nov 2026
Seller motivationNot scored
context, not scored: 1 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 & liquidity14.7/15
275 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 sensitivity

£199,000£305,000

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£265,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £84,050
Net cash flow: £213/mo
Cash on cash: 3.0%
Score at this price: 31

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.79 - 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 83013321Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1500-1650)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 1600/mo (range 1500-1650)
Seller motivation could not be scored
context, not scored: 1 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

Property risk deep-dive →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£233,000

Rent Estimate (pcm)£1,600

Gross Yield7.25%

1y Growth-

3y Growth-3.3%

5y Growth+2.1%

10y Growth+3.1%

Last Sold Price£200,000 (2022-03-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HD4 5UJ

Approval Rate

-12mo

Development

low

2026/92962
Discharge of details reserved by conditions 10 (road condition survey), 11 (flood routeing), 12 (surface water drainage) and 14 (temporary drainage) of previous permission 2024/93605 for erection of 57 dwellings with access from new through road connecting Main Avenue and Windsor Road, and associated works, including engineering and landscaping
Pending
2026/92907
Work to trees within a Conservation Area
Pending
2026/92902
Discharge of details reserved by condition 13 (temporary drainage) of previous permission 2024/93605 for erection of 57 dwellings with access from new through road connecting Main Avenue and Windsor Road, and associated works, including engineering and landscaping
Pending

View Planning Timeline

Ownership

Corporate Ownership61.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-03-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,238

Population Density-

Owner Occupied68%

Age Distribution

0-15 22%16-64 65%65+ 13%

View Area Profile

Schools Nearby

Woodside Green, A Share Primary Academy
0.2 mi
Good
Crow Lane Primary and Foundation Stage School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.
Manor Road Academy
0.7 mi
Inspected as Golcar Junior Infant and Nursery School (URN 107696) on 9 Jun 2022
Linthwaite Ardron CofE (Voluntary Aided) Junior and Infant School
0.7 mi
Report card2026
Ofsted no longer awards a single overall grade.

4 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

148 Cowlersley Lane
-
£200k
-
148 Cowlersley Lane
-
£200k
-
140 Cowlersley Lane
-
£200k
-
118 Cowlersley Lane
-
£132k
-

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