115 Peet Street, Derby, DE22 3RG

UPRN:100032007152Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (67)

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

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

£147,000

£132k - £161kMedium

Estimate

£147k

Range

£132k – £161k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

4.43%

Verdict

Derived from HomePortfolio scores

115 Peet Street earns an INVESTIGATE rating with HP Score 63/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (84/100). 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

63/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

89/ 100

Elevated

Walkability

84/ 100

High

Transit & Bike

Transit 26Bike 73

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 edge-0.6/15
claims [AVM -56.5% (MEDIUM), sold-comps -42.9%, £/sqft -42.5%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100032007152· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 24%· as of 1 Nov 2026
Rental economics6.1/40
gross yield 5.8% on contractual rent (listing-disclosed tenancy); contractual 1770/mo far above the 850/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 1770/mo (tenanted)· as of 3 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -288/mo, -26% 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), 62 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 & liquidity12.9/15
594 sales/12mo in area; valuation range width 20%
- 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

£172,500£264,500

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£230,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: -£188/mo
Cash on cash: -3.1%
Score at this price: 18

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.10 - 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

valuation_snapshotsestimate for 100032007152Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 24%Valuation edge · as of 1 Nov 2026
listing_factscontractual rent 1770/mo (tenanted)Rental economics · as of 3 Nov 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

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
contractual rent 1770/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 62 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£147,000

Rent Estimate (pcm)£850

Gross Yield4.43%

1y Growth-

3y Growth+2.9%

5y Growth+2.7%

10y Growth+2.7%

Last Sold Price£95,000 (2019-02-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DE22 3RG

Approval Rate

-12mo

Development

low

26/01426/FUL
Change of use from a seven bedroom house in multiple occupation (Sui Generis) to a nine bedroom (nine occupant) house in multiple occupation (Sui Generis), including conversion of the basement to habitable accommodation, formation of front lightwell and bay window, side extension and installation of a rear dormer
Pending
26/01395/CLE
Use of the building as a house in multiple occupation (Use Class C4)
Pending
26/00812/FUL
Change of use from an indoor golf centre with bar and restaurant facilities (Use Class E(b)(d)) to a college (Class F1) and construction of two additional floors at mezzanine level
Pending

View Planning Timeline

Ownership

Corporate Ownership78.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-02-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,467

Population Density10,056 /km²

Owner Occupied20%

Age Distribution

0-15 14%16-64 81%65+ 5%

View Area Profile

Schools Nearby

Becket Primary School
0.2 mi
Good
Derby Cathedral School
0.3 mi
Good
Firs Primary School
0.3 mi
Good
Bishop Lonsdale Church of England Primary School and Nursery
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

99 Peet Street
-
£96k
-
110 Peet Street
-
£112k
-
81 Peet Street
-
£124k
-
114 Peet Street
-
£120k
-

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