Flat 8, Golding House, Henry Avenue, Matlock, DE4 3FL

UPRN:10070103203Flat/MaisonetteBeds -Built 1900-1929

Tenure: -Council Tax: Band AEPC: D (61)

Data freshness:Planning· 6mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

Flat 8, Golding House, Henry Avenue, Matlock, DE4 3FL

Location map - no listing photos available

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£132,000

£119k - £145kMedium

Estimate

£132k

Range

£119k – £145k

Rent Estimate (pcm)

£600

£550 - £650

Monthly

£600

Yield

6.15%

Verdict

Derived from HomePortfolio scores

Flat 8 earns an INVESTIGATE rating with HP Score 70/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (83/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket estimates (third-party AVM)Defra 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

70/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

45/ 100

Elevated

Walkability

83/ 100

High

Transit & Bike

Transit 40Bike 30

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 3 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 +11.4% (MEDIUM), sold-comps +20.4%, £/sqft +20.7%] → 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 (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10070103203· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16%· as of 27 Oct 2026
Rental economics8/40
gross yield 6.2%; range width penalty ×0.87
- valuation_snapshotsrent estimate 600/mo (range 550-650)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -183/mo, -30% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 53 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 3 Nov 2026
Risk & liquidity12.9/15
408 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

£88,000£134,500

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£117,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£650

Interest rate5.4%

Loan to value75%

Cash required: £36,400
Net cash flow: £21/mo
Cash on cash: 0.7%
Score at this price: 23

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.52 - clears 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 10070103203Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 16%Valuation edge · as of 27 Oct 2026
valuation_snapshotsrent estimate 600/mo (range 550-650)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 600/mo (range 550-650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 53 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£132,000

Rent Estimate (pcm)£600

Gross Yield6.15%

1y Growth-

3y Growth-1.0%

5y Growth+0.3%

10y Growth+3.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0DE4 3FL

Approval Rate

-12mo

Development

low

24/01137/AMD
Non-material amendment - revision of windows and cladding
Pending
T/26/00163/TCA
Reduce to approximately 3m a row of hedging conifers approx 10m high to the rear of the property and reducee the odd deciduous tree within the conifers to a similar height to 3m
Pending
T/26/00160/TCA
Tree works: T1/T2 Lime trees - Repollarding T3 Sycamore- 2m reduction T4 Oak - 2 metre reduction T5-T10 Ash trees to be felled to ground level
Pending

View Planning Timeline

Ownership

Corporate Ownership76.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,700

Population Density-

Owner Occupied54%

Age Distribution

0-15 14%16-64 60%65+ 26%

View Area Profile

Schools Nearby

Castle View Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
All Saints CofE Infant School
0.3 mi
Inspected as Matlock All Saints Infants' School (URN 112838) on 20 Jan 2016
St Joseph's Catholic Voluntary Academy
0.4 mi
Good
All Saints CofE Junior School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Golding House Henry Avenue
-
£132k
-
Golding House Henry Avenue
-
£145k
-
Golding House Henry Avenue
-
£175k
-
Lilybank Court Henry Avenue
-
£760k
-

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