102 Pear Tree Street, Derby, DE23 8PN

UPRN:100030347124End Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: C (75)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£134,000

£127k - £140kHigh

Estimate

£134k

Range

£127k – £140k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

7.38%

Verdict

Derived from HomePortfolio scores

102 Pear Tree Street earns an INVESTIGATE rating with HP Score 65/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (87/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

53/ 100

Moderate

Crime Score

54/ 100

Elevated

Walkability

87/ 100

Excellent

Transit & Bike

Transit 22Bike 70

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£130,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £115/mo
Cash on cash: 3.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.82 - 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£134,000

Rent Estimate (pcm)£800

Gross Yield7.38%

1y Growth-

3y Growth+3.2%

5y Growth+3.0%

10y Growth+4.5%

Last Sold Price£29,995 (1995-03-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1DE23 8PN

Approval Rate

-12mo

Development

low

26/01415/FUL
Change of use from a public house (Sui Generis) to seven residential apartments (Use Class C3a) including internal and external alterations
Pending
26/01382/FUL
Change of use from a dwelling house (Use Class C3) to a residential children's care home for a maximum of one child (Use Class C2)
Pending
26/01354/DISC
Discharge of conditions 9 (Noise), 10 (Parking Details) and 12 (Dropped Kerbs) of previously approved application no. 25/00294/FUL - Erection of a three storey building to form a 66 bedroom care home (Use Class C2), parking, landscaping and associated ground works
Pending

View Planning Timeline

Ownership

Corporate Ownership84.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1995-03-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,467

Population Density9,083 /km²

Owner Occupied37%

Age Distribution

0-15 28%16-64 66%65+ 6%

View Area Profile

Schools Nearby

Pear Tree Infant School
0.1 mi
Good
Pear Tree Community Junior School
0.1 mi
Good
Harrington Nursery School
0.1 mi
Outstanding
Hardwick Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

0 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

60 Pear Tree Street
-
£130k
-
60 Pear Tree Street
-
£95k
-
74 Pear Tree Street
-
£108k
-
82 Pear Tree Street
-
£125k
-

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