8 Derwent Gardens, Ashbourne, DE6 1DJ

UPRN:10070083820Semi-Detached House3 bedsBuilt 1967-1975

FreeholdCouncil Tax: Band CEPC: E (39)

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

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£266,000

£253k - £279kHigh

Estimate

£266k

Range

£253k – £279k

Rent Estimate (pcm)

£750

£650 - £850

Monthly

£750

Yield

3.40%

Verdict

Derived from HomePortfolio scores

8 Derwent Gardens earns an INVESTIGATE rating with HP Score 64/100. Investment score 47/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (32/100). 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 NationsOfcom mobile coverageMarket 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

47/ 100

Mixed

Crime Score

16/ 100

Moderate

Walkability

32/ 100

Mixed

Transit & Bike

Transit 25Bike 15

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 10 Nov 2026

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

Valuation edge2.5/15
claims [AVM +0.4% (HIGH), sold-comps +10.8%, £/sqft +10.7%] → 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 (HIGH confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 10070083820· as of 14 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.3%· as of 12 Nov 2026
Rental economics0/40
gross yield 3.4%; range width penalty ×0.67
- valuation_snapshotsrent estimate 750/mo (range 650-850)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -697/mo, -93% 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 10 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 109 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 10 Nov 2026
Risk & liquidity14.7/15
291 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

£199,000£305,000

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£265,000

At the asking price

Monthly rent£750/mo

Evidenced range £650-£850

Interest rate5.4%

Loan to value75%

Cash required: £84,050
Net cash flow: -£375/mo
Cash on cash: -5.4%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.84 - 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 10070083820Valuation edge · as of 14 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 9.3%Valuation edge · as of 12 Nov 2026
valuation_snapshotsrent estimate 750/mo (range 650-850)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 750/mo (range 650-850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 109 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. 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£266,000

Rent Estimate (pcm)£750

Gross Yield3.40%

1y Growth-

3y Growth-5.0%

5y Growth-0.5%

10y Growth+1.9%

Last Sold Price£180,000 (2005-08-16)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0DE6 1DJ

Approval Rate

-12mo

Development

low

26/01109/FUL
Proposed single storey side extension
Pending
2026/4730/TPO
T1 (Chestnut): Pruning branches because they are growing close to the chimney flue which will be used soon as weather gets colder. Pruning to BS 3998:2010 (at short lines on photograph, long line is to show where they are near flue). , , T2 (Lime): Pruning all epicormic growth and removing weak growth, as shown in photo. All epicormic growth is blocking out light. , T3 (Lime [2]): Pruning all epicormic growth from stem as shown in photo. All epicormic growth is blocking out light.
Approved
26/01007/FUL
Proposed single storey side extension to dwelling
Pending

View Planning Timeline

Ownership

Corporate Ownership74.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2005-08-16
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

14 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,700

Population Density2,756 /km²

Owner Occupied69%

Age Distribution

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

View Area Profile

Schools Nearby

Hilltop Primary Academy
0.3 mi
Inspected as Ashbourne Hilltop Primary and Nursery School (URN 112686) on 13 Sep 2022
Ashbourne Primary School
0.9 mi
Inspected as Ashbourne Primary School (URN 112678) on 19 Jan 2022
St Oswald's CofE Primary School
0.9 mi
Good
Queen Elizabeth's Grammar School
1.1 mi
Good

4 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

21 Derwent Gardens
-
£300k
-
19 Derwent Gardens
-
£330k
-
1 Derwent Gardens
-
£304k
-
12 Derwent Gardens
-
£227k
-

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