2 Oak Road, Thulston, Derby, DE72 3EW

UPRN:100030239753Detached House5 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: D (67)

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

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£830,000

£664k - £996kLow

Estimate

£830k

Range

£664k – £996k

Rent Estimate (pcm)

£3,550

£3k - £4k

Monthly

£3,550

Yield

4.48%

Verdict

Derived from HomePortfolio scores

2 Oak Road earns an INVESTIGATE rating with HP Score 59/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (15/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

22/ 100

Moderate

Walkability

15/ 100

Low

Transit & Bike

Transit 10Bike 31

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 Nov 2026

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

Valuation edge0/15
claims [sold-comps -77.9%, £/sqft -78.0%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 13.7%· as of 29 Oct 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.83
- valuation_snapshotsrent estimate 3550/mo (range 3200-3850)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,529/mo, -43% 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: 0 price cut(s), 53 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 & liquidity9.2/15
228 sales/12mo in area; valuation range width 40%
- 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

£712,500£1,092,500

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£950,000

At the asking price

Monthly rent£3,550/mo

Evidenced range £3,200-£3,850

Interest rate5.4%

Loan to value75%

Cash required: £325,050
Net cash flow: -£749/mo
Cash on cash: -2.8%
Score at this price: 9

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - below 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

property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 13.7%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 3550/mo (range 3200-3850)Rental economics · as of 9 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 3550/mo (range 3200-3850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 53 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. 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£830,000

Rent Estimate (pcm)£3,550

Gross Yield4.48%

1y Growth-

3y Growth-1.2%

5y Growth+1.5%

10y Growth+4.3%

Last Sold Price£160,000 (1999-02-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DE72 3EW

Approval Rate

-12mo

Development

low

DMOT/2026/1387
Discharge of condition 46 (WSI) of planning permission reference DMPA/2021/1687 (as amended by DMPA/2025/0834) - Outline application (matters of access to be considered now with matters of layout, scale, appearance and landscaping reserved for later consideration) for A District Centre comprising a Retail Foodstore (Use Class E), Retail/Café/Restaurant/Drive-Thru units/Nursery (Use Class E/Sui Generis), a Transport Mobility Hub and Petrol Filling/Electric Charging Station (Sui Generis). Residential development (Use Class C3), a care home (Use Class C2), a community facility (Use Class F2), and associated road infrastructure, landscaping, services, and engineering works.
Pending
DMOT/2026/1189
The pruning of a tree covered by South Derbyshire District Council Tree Preservation Order no. 9 at
Pending
DMOT/2026/1145
The approval of details reserved by condition 22 (surfacing materials) relating to planning permission reference DMPA/2021/1687 at
Pending

View Planning Timeline