5 Jervis Court, Sutton on Derwent, York, YO41 4JX

UPRN:10000238204Mid Terrace House3 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band CEPC: C (72)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

5 Jervis Court, Sutton on Derwent, York, YO41 4JX

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

£322,000

£306k - £338kHigh

Estimate

£322k

Range

£306k – £338k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

5.29%

Verdict

Derived from HomePortfolio scores

5 Jervis Court earns an INVESTIGATE rating with HP Score 67/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (25/100). 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

67/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

25/ 100

Low

Transit & Bike

Transit 4Bike 24

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM +8.4% (HIGH), sold-comps -11.7%, £/sqft -11.6%] → 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 13 Oct 2026
- valuation_snapshotsestimate for 10000238204· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 12.7%· as of 30 Oct 2026
Rental economics2.1/40
gross yield 5.3%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1300/mo (range 1200-1400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -419/mo, -32% 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 4 Nov 2026
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 4 Nov 2026
Risk & liquidity14.7/15
116 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

£221,000£339,000

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£295,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £94,550
Net cash flow: -£96/mo
Cash on cash: -1.2%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.31 - 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 10000238204Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 12.7%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 1300/mo (range 1200-1400)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1300/mo (range 1200-1400)
Seller motivation could not be 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

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. 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.
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£322,000

Rent Estimate (pcm)£1,300

Gross Yield5.29%

1y Growth-

3y Growth-1.4%

5y Growth+0.5%

10y Growth+2.4%

Last Sold Price£188,000 (2007-04-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0YO41 4JX

Approval Rate

-12mo

Development

low

26/01337/TCA
Fell 1no. Walnut Tree in a Conservation Area.
Approved
26/01248/PLF
Erection of single storey extension to front, side and rear following demolition of existing extensions and outbuilding
Pending
26/00740/PLB
Listed Building Consent for alterations of porch to rear including partial blocking up of openings, installation of external sash windows and door, insulation of interior walls and underside of roof; alterations to existing internal doors and partitions into kitchen; formation of cupboards under stairs and infilling of floor well within utility room; underside of conservatory roof to be further insulated and plastered following removal of existing cladding
Approved

View Planning Timeline

Ownership

Corporate Ownership79.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2007-04-03
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£31,881

Population Density-

Owner Occupied85%

Age Distribution

0-15 18%16-64 59%65+ 23%

View Area Profile

Schools Nearby

Sutton Upon Derwent Church of England Voluntary Controlled Primary School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Elvington Church of England Voluntary Controlled Primary School
0.9 mi
Good
Wheldrake with Thorganby Church of England Primary School
2.0 mi
Good
Wilberfoss Church of England Primary School
2.9 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

4 Jervis Court
-
£265k
-
7 Jervis Court
-
£215k
-
8 Jervis Court
-
£330k
-
27 Jervis Court
-
£430k
-

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