The Cote, Kinder Road, Hayfield, High Peak, SK22 2LJ

UPRN:10010728694Detached Property3 bedsBuilt -

FreeholdCouncil Tax: Band FEPC: F (34)

Data freshness:Ownership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

The Cote, Kinder Road, Hayfield, High Peak, SK22 2LJ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£1,195,000

£1.14M - £1.25MHigh

Estimate

£1.20M

Range

£1.14M – £1.25M

Rent Estimate (pcm)

£2,750

£2k - £3k

Monthly

£2,750

Yield

3.32%

Verdict

Derived from HomePortfolio scores

The Cote earns an INVESTIGATE rating with HP Score 56/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (1/100). 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)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

56/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

1/ 100

Low

Transit & Bike

Transit 35Bike 5

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: the estimate sits 17% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +16.7% (HIGH)] → measured edge +0.00pp 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 (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10010728694· as of 13 Oct 2026
Rental economics0/40
gross yield 3.3%; range width penalty ×0.47; the estimate this rent rides on sits 17% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2750/mo (range 2250-3250)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,306/mo, -84% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 148 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 & liquidity14.6/15
134 sales/12mo in area; valuation range width 10%
- 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

£746,000£1,144,000

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£995,000

At the asking price

Monthly rent£2,750/mo

Evidenced range £2,250-£3,250

Interest rate5.4%

Loan to value75%

Cash required: £343,050
Net cash flow: -£1,454/mo
Cash on cash: -5.1%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.82 - 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 10010728694Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 2750/mo (range 2250-3250)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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
rent estimate 2750/mo (range 2250-3250)
Rental economics needs verification before you rely on it
sale estimate 17% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£1,195,000

Rent Estimate (pcm)£2,750

Gross Yield3.32%

1y Growth-

3y Growth+0.0%

5y Growth+2.8%

10y Growth+4.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1SK22 2LJ

Approval Rate

-12mo

Development

low

CON/2025/0072
Consultation from Peak District National Park for S.73 application for the removal or variation of condition 2 on HPK1196107.
Pending
CON/2025/0050
A statutory consultation made under section 8(3) of the Water Industry Act 1991 (WIA91) to grant MUA Water a variation to its appointment as a water and sewerage company.
Approved
CON/2025/0022
Consultation from Peak District National Park for Listed Building consent - landscape works only.
Approved

View Planning Timeline

Ownership

Corporate Ownership54.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

2 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,258

Population Density81 /km²

Owner Occupied76%

Age Distribution

0-15 15%16-64 57%65+ 28%

View Area Profile

Schools Nearby

Hayfield Primary School
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Thornsett Primary School (High Peak Federation)
2.5 mi
Good
Peak School
3.0 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Chinley Primary School
3.0 mi
Good

1 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Upper House Kinder Road
-
£2.26M
-
Booth Farm Kinder Road
-
£665k
-
Farlands Lodge Kinder Road
-
£485k
-
Kinder Reservoir Keepers House Kinder Road
-
£370k
-

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