37 Steps, Orchard Road, Matlock Bath, Matlock, DE4 3PF

UPRN:10070100410Detached House4 bedsBuilt 1991-1995

FreeholdCouncil Tax: Band GEPC: D (67)

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

37 Steps, Orchard Road, Matlock Bath, Matlock, DE4 3PF

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£352,000

£282k - £423kLow

Estimate

£352k

Range

£282k – £423k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

6.86%

Verdict

Derived from HomePortfolio scores

37 Steps earns an INVESTIGATE rating with HP Score 66/100. Investment score 45/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (45/100). 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

66/ 100

Mixed

Investment Score

45/ 100

Mixed

Crime Score

21/ 100

Moderate

Walkability

45/ 100

Mixed

Transit & Bike

Transit 8Bike 15

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
advert has 2 bedrooms but the valuation snapshot describes 4 - the UPRN's evidence is for a different home

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£210,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,050-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £66,000
Net cash flow: £122/mo
Cash on cash: 2.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.69 - 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£352,000

Rent Estimate (pcm)£1,200

Gross Yield6.86%

1y Growth+21.7%

3y Growth-1.0%

5y Growth+0.3%

10y Growth+3.4%

Last Sold Price£366,000 (2025-09-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2DE4 3PF

Approval Rate

-12mo

Development

low

26/00974/FUL
Retention of raised decking (retrospective) with the addition of metal balustrading to front lower terrace and erection of garden room to upper front terrace
Pending
T/26/00157/TCA
Crown reduction by approximatey 4 metres overall Crown reduce the Sycamore by approximately 4 metres overall. The reduction will be undertaken selectively to suitable lateral growth points, maintaining an appropriate, balanced crown form and avoiding unnecessary large-diameter pruning cuts wherever practicable. The final pruning specification should be achieved in accordance with current arboricultural good practice, including the principles of BS 3998:2010.
Pending
26/00925/FUL
Reconfiguration of shopfront
Pending

View Planning Timeline