8 Spa Villas, Matlock Spa Road, Matlock, DE4 3ST

UPRN:10010345811Flat/MaisonetteBeds -Built -

Tenure: -Council Tax: Band CEPC: B (86)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

8 Spa Villas, Matlock Spa Road, Matlock, DE4 3ST

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£262,000

£210k - £315kLow

Estimate

£262k

Range

£210k – £315k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

3.60%

Verdict

Derived from HomePortfolio scores

8 Spa Villas earns an INVESTIGATE rating with HP Score 70/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (67/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

70/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

38/ 100

Elevated

Walkability

67/ 100

Moderate

Transit & Bike

Transit 26Bike 44

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.6%; range width penalty ×0.87
- valuation_snapshotsrent estimate 1200/mo (range 1100-1300)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -936/mo, -78% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 6 Nov 2026· verify before relying on this
Risk & liquidity9.2/15
408 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£400,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £131,300
Net cash flow: -£519/mo
Cash on cash: -4.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.89 - 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_snapshotsrent estimate 1200/mo (range 1100-1300)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1200/mo (range 1100-1300)

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£262,000

Rent Estimate (pcm)£1,200

Gross Yield3.60%

1y Growth-

3y Growth-1.0%

5y Growth+0.3%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DE4 3ST

Approval Rate

-12mo

Development

low

T/26/00158/TCA
Dismantle to as near to ground level as practical 2no. Silver Birch trees (T2) and (T3) and crown lift 1no. Horse Chesnut tree (T1) to achieve approximately 5.5 metres clearance above highway
Pending
T/26/00154/TCA
Fell 1no. Willow tree and reduce canopy of 1no. Rown tree by 30%
Pending
T/26/00153/TPO
Fell 1no. dying Cedar tree, crown lift 1no. Beech tree to give 5m clearance over the road and crown lift 1no. Beech tree to give 1m clearance from the garage
Pending

View Planning Timeline

Ownership

Corporate Ownership76.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£33,700

Population Density1,578 /km²

Owner Occupied78%

Age Distribution

0-15 14%16-64 57%65+ 29%

View Area Profile

Schools Nearby

All Saints CofE Infant School
0.4 mi
Inspected as Matlock All Saints Infants' School (URN 112838) on 20 Jan 2016
All Saints CofE Junior School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Castle View Primary School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Giles Church of England Primary and Nursery School
0.9 mi
Good

0 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

38 Spa Villas
-
£550k
-
25 Spa Villas
-
£330k
-
6 Spa Villas
-
£330k
-
14 Spa Villas
-
£475k
-

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