Rose Cottage, 3 Church Street, Youlgrave, Bakewell, DE45 1WL

UPRN:10070089625Bungalow Property2 bedsBuilt -

FreeholdCouncil Tax: -EPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Rose Cottage, 3 Church Street, Youlgrave, Bakewell, DE45 1WL

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£274,000

£247k - £302kMedium

Estimate

£274k

Range

£247k – £302k

Rent Estimate (pcm)

£650

£550 - £750

Monthly

£650

Yield

2.84%

Verdict

Derived from HomePortfolio scores

Rose Cottage earns an INVESTIGATE rating with HP Score 63/100. Investment score 45/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (12/100). 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 SourcesPortal 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

45/ 100

Mixed

Crime Score

7/ 100

Low

Walkability

12/ 100

Low

Transit & Bike

Transit 11Bike 7

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 Nov 2026

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

Valuation edge0/15
claims [AVM -0.4% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10070089625· as of 9 Oct 2026
Rental economics0/40
gross yield 2.8%; range width penalty ×0.58
- valuation_snapshotsrent estimate 650/mo (range 550-750)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -812/mo, -125% 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: 0 price cut(s), 72 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
88 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

£206,000£316,000

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£275,000

At the asking price

Monthly rent£650/mo

Evidenced range £550-£750

Interest rate5.4%

Loan to value75%

Cash required: £87,550
Net cash flow: -£478/mo
Cash on cash: -6.6%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.70 - 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 10070089625Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 550-750)Rental economics · as of 9 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
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
Rental economics needs verification before you rely on it
rent estimate 650/mo (range 550-750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 72 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. 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£274,000

Rent Estimate (pcm)£650

Gross Yield2.84%

1y Growth-

3y Growth+0.2%

5y Growth+0.6%

10y Growth+1.8%

Last Sold Price£165,000 (2014-06-05)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

3DE45 1WL

Approval Rate

100%12mo

Development

low

NP/DIS/0926/0952
Discharge of condition 4 on NP/DDD/1223/1534
Pending
NP/TCA/0826/0852
1 Conifer tree - to reduce height by 2m down to old pruning points and prune back from property
Decided
NP/TCA/0826/0844
T1: Removal of Pine tree, including stump T2: Removal of Beech tree, including stump
Approved

View Planning Timeline

Ownership

Corporate Ownership65.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2014-06-05
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,700

Population Density-

Owner Occupied68%

Age Distribution

0-15 13%16-64 55%65+ 32%

View Area Profile

Schools Nearby

Youlgrave, All Saints' CofE (VA) Primary School
0.1 mi
Good
Stanton-in-Peak CofE Primary School
1.9 mi
OutstandingConcerns
Lady Manners School
2.1 mi
Good
Bakewell Methodist Academy
2.1 mi
Inspected as Bakewell Methodist Junior School (URN 112870) on 14 Sep 2021

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

View All Schools

Comparables

View All

5 Church Street
-
£315k
-
Auburn House Church Street
-
£713k
-
5 Church Street
-
£350k
-
Turret Cottage Church Street
-
£625k
-

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