46 Peckerdale Gardens, Spondon, Derby, DE21 7SX

UPRN:10010680481Flat/Maisonette2 bedsBuilt 2007-2011

Tenure: -Council Tax: -EPC: C (79)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

46 Peckerdale Gardens, Spondon, Derby, DE21 7SX

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

£118,000

£106k - £130kMedium

Estimate

£118k

Range

£106k – £130k

Rent Estimate (pcm)

£750

£700 - £800

Monthly

£750

Yield

7.83%

Verdict

Derived from HomePortfolio scores

46 Peckerdale Gardens earns an INVESTIGATE rating with HP Score 63/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (57/100). 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 NationsOfcom mobile coverageMarket 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 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

62/ 100

Moderate

Crime Score

57/ 100

Elevated

Walkability

57/ 100

Moderate

Transit & Bike

Transit 21Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 4 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +2.5% (MEDIUM), sold-comps +20.1%, £/sqft +20.0%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 10010680481· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 9.9%· as of 29 Oct 2026
Rental economics21.1/40
gross yield 7.8%; range width penalty ×0.93
- valuation_snapshotsrent estimate 750/mo (range 700-800)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -64/mo, -9% 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 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 66 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 4 Nov 2026
Risk & liquidity12.8/15
644 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

£86,000£132,000

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£115,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£800

Interest rate5.4%

Loan to value75%

Cash required: £35,800
Net cash flow: £131/mo
Cash on cash: 4.4%
Score at this price: 36

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.93 - clears 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 10010680481Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 9.9%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-800)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-800)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£118,000

Rent Estimate (pcm)£750

Gross Yield7.83%

1y Growth+14.0%

3y Growth+3.5%

5y Growth+3.2%

10y Growth+4.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DE21 7SX

Approval Rate

-12mo

Development

low

26/01434/TPO
Reduction of branches overhanging the neighbouring property by 2-3m of two Lime trees protected by Tree Preservation Oreder no. 345
Pending
26/01427/RES
Approval of reserved matters for phase 6, plot 6b of access, appearance, landscaping, layout and scale for the construction of a food manufacturing unit, with storage and distribution (Use Class B2 and B8) with ancillary facilities, installation of roof mounted photo voltaic solar panels, together with access, car parking, landscaping, drainage works and all associated works pursuant to previously approved planning permission 23/00148/VAR - Outline planning application with access details and scale parameters included, for the redevelopment of a previously industrial brownfield site for B2, B8, associated E Class and F1 purposes and ancillary uses to provide up to 209,000 sq.m. of floorspace for facilities for food production; distribution; training and education; associated food support businesses and supporting energy generation/waste disposal
Pending
26/01423/FUL
Single storey side and rear extensions to dwelling (bedroom and sun lounge) together with removal of chimney
Pending

View Planning Timeline

Ownership

Corporate Ownership63.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,467

Population Density547 /km²

Owner Occupied64%

Age Distribution

0-15 20%16-64 63%65+ 17%

View Area Profile

Schools Nearby

Asterdale Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Werburgh's CofE Primary School
0.6 mi
Good
Borrow Wood Primary School
0.7 mi
Good
West Park School
0.8 mi
Inspected as West Park School (URN 112997) on 19 Nov 2008

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

25 Peckerdale Gardens
-
£83k
-
24 Peckerdale Gardens
-
£123k
-
40 Peckerdale Gardens
-
£107k
-
29 Peckerdale Gardens
-
£108k
-

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