40 Gairloch Close, Stenson Fields, Derby, DE24 3AH

UPRN:100030236459Semi-Detached House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band BEPC: D (66)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

40 Gairloch Close, Stenson Fields, Derby, DE24 3AH

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£239,000

£227k - £251kHigh

Estimate

£239k

Range

£227k – £251k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

6.25%

Verdict

Derived from HomePortfolio scores

40 Gairloch Close earns an INVESTIGATE rating with HP Score 72/100. Investment score 47/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (49/100). 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

47/ 100

Mixed

Crime Score

6/ 100

Low

Walkability

49/ 100

Mixed

Transit & Bike

Transit 25Bike 46

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£240,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,150-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: £55/mo
Cash on cash: 0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.54 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£239,000

Rent Estimate (pcm)£1,250

Gross Yield6.25%

1y Growth-

3y Growth+0.0%

5y Growth+3.9%

10y Growth+3.9%

Last Sold Price£120,000 (2006-05-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DE24 3AH

Approval Rate

-12mo

Development

low

26/01296/DISC
Discharge of conditions 13b (Cycle Parking) and 14 (Noise Assessment) of previously approved application no. 25/00183/FUL - Erection of a warehouse/industrial unit (Use Classes B2/B8) including associated infrastructure, landscaping, new access from Infinity Park Way and bridleway enhancements
Pending
26/01250/FUL
Erection of outbuilding (gym, sitting area and shower)
Approved
26/01202/FUL
Single storey front and side extensions to dwelling house (porch, wet room and utility)
Approved

View Planning Timeline

Ownership

Corporate Ownership64.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-05-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,452

Population Density-

Owner Occupied86%

Age Distribution

0-15 13%16-64 60%65+ 27%

View Area Profile

Schools Nearby

Stenson Fields Primary Community School
0.1 mi
Good
City of Derby Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Ash Croft Primary Academy
0.4 mi
Good
Grampian Primary Academy
0.6 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

32 Gairloch Close
-
£228k
-
33 Gairloch Close
-
£165k
-
38 Gairloch Close
-
£275k
-
37 Gairloch Close
-
£158k
-

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