213 St Thomas Road, Derby, DE23 8RJ

UPRN:100030360866End Terrace House5 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (66)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£222,000

£211k - £233kHigh

Estimate

£222k

Range

£211k – £233k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

6.78%

Verdict

Derived from HomePortfolio scores

213 St Thomas Road earns an INVESTIGATE rating with HP Score 72/100. Investment score 49/100 reflects below-average fundamentals. Crime intensity is low. Walkability is excellent (90/100). 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 NationsMarket 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

72/ 100

Mixed

Investment Score

49/ 100

Mixed

Crime Score

26/ 100

Moderate

Walkability

90/ 100

Excellent

Transit & Bike

Transit 24Bike 63

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

2 live adverts with different prices, types or bedrooms on one UPRN (£230,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£230,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,250-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: £124/mo
Cash on cash: 2.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.67 - 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£222,000

Rent Estimate (pcm)£1,300

Gross Yield6.78%

1y Growth-

3y Growth+3.2%

5y Growth+3.0%

10y Growth+4.5%

Last Sold Price£103,000 (2014-01-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DE23 8RJ

Approval Rate

-12mo

Development

low

26/00954/FUL
Single storey extension to workshop - retrospective application
Pending
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

View Planning Timeline