The Cottage, The Courtyard, Main Street, Winster, Matlock, DE4 2DJ

UPRN:10070094875Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band FEPC: F (38)

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

The Cottage, The Courtyard, Main Street, Winster, Matlock, DE4 2DJ

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£614,000

£492k - £737kLow

Estimate

£614k

Range

£492k – £737k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

5.79%

Verdict

Derived from HomePortfolio scores

The Cottage earns an INVESTIGATE rating with HP Score 72/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (41/100). 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

41/ 100

Mixed

Transit & Bike

Transit 5Bike 22

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£435,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,850-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £143,550
Net cash flow: -£14/mo
Cash on cash: -0.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.43 - clears 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£614,000

Rent Estimate (pcm)£2,100

Gross Yield5.79%

1y Growth+74.5%

3y Growth-1.0%

5y Growth+0.3%

10y Growth+3.4%

Last Sold Price£325,000 (2023-04-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2DE4 2DJ

Approval Rate

100%12mo

Development

low

NP/TCA/1026/1066
Pollard one cherry tree to 7ft Top one acacia tree to 7ft Top one apple tree to 7ft
Pending
NP/TCA/1026/1064
This tree was a small Christmas Tree planted some years ago which has outgrown its space. We have the opportunity to donate it to the community for use as the village Christmas Tree and would like to take this opportunity. The tree is impinging on fruit trees and other small trees and if it is permitted to grow any further it will become difficult if not impossible to remove.
Pending
NP/DDD/0926/0951
Constructing a small single storey extension, rendering of building, removal of bay window and other window, inserting two sliding glass doors.
Pending

View Planning Timeline

Ownership

Corporate Ownership76.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-04-20
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 Density72 /km²

Owner Occupied76%

Age Distribution

0-15 12%16-64 54%65+ 34%

View Area Profile

Schools Nearby

Winster CofE Primary School
0.4 mi
Good
Elton CofE Primary School
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
South Darley CofE Primary School
1.9 mi
Good
Darley Churchtown Church of England Primary School
2.3 mi
Good

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

View All Schools

Comparables

View All

Winster Hall Main Street
-
£1.15M
-
Doe Lea Cottage Main Street
-
£278k
-
The Courtyard Main Street
-
£325k
-
Burton House Main Street
-
£550k
-

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