3 Cross Keys Row, Hayfield Road, Chapel-en-le-Frith, High Peak, SK23 0QQ

UPRN:10010761306Mid Terrace House2 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: C (70)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

3 Cross Keys Row, Hayfield Road, Chapel-en-le-Frith, High Peak, SK23 0QQ

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

£270,000

£257k - £284kHigh

Estimate

£270k

Range

£257k – £284k

Rent Estimate (pcm)

£1,050

£950 - £1k

Monthly

£1,050

Yield

4.67%

Verdict

Derived from HomePortfolio scores

3 Cross Keys Row earns an INVESTIGATE rating with HP Score 68/100. Investment score 51/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (30/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

30/ 100

Mixed

Transit & Bike

Transit 3Bike 19

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£269,950

At the asking price

Monthly rent£1,050/mo

Evidenced range £950-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £85,783
Net cash flow: -£184/mo
Cash on cash: -2.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.15 - below 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£270,000

Rent Estimate (pcm)£1,050

Gross Yield4.67%

1y Growth-

3y Growth+1.3%

5y Growth+1.9%

10y Growth+3.9%

Last Sold Price£147,000 (2018-01-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0SK23 0QQ

Approval Rate

-12mo

Development

low

HPK/2026/0394
Alteration of units 1 and 2 to form additional class E unit through side extension and internal alteration. Unit 1 to be opened through to associated office/storage area to form open plan unit. Revised unit 2 formed through reduced area to unit 1 with new disabled WC and side escape door and new roller shutter door entrance. Unit 3 created through the increased side extension space (following removal of side container) with new disabled WC and side escape door and new roller shutter door entrance.
Pending
HPK/2026/0168
Single storey rear extension
Approved
HPK/2026/0163
Conversion of stables to provide new dwelling for holiday accommodation use
Pending

View Planning Timeline

Ownership

Corporate Ownership73.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-01-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

28 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,258

Population Density121 /km²

Owner Occupied85%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

Chinley Primary School
0.5 mi
Good
Peak School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Chapel-en-le-Frith CofE VC Primary School
0.8 mi
Good
Chapel-en-le-Frith High School
1.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

Hockholme Cottage Chapel Milton
-
£330k
-
Oak House Chapel Milton
-
£875k
-
The Old Manse Chapel Milton
-
£845k
-
4 Gregory Row
-
£250k
-

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