Flat 10, Rutland Court, Rutland Street, Matlock, DE4 3GN

UPRN:10070103729Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: C (74)

Data freshness:Listing· freshPrice Paid· freshPlanning· 2mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 10, Rutland Court, Rutland Street, Matlock, DE4 3GN

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£105,000

£100k - £110kHigh

Estimate

£105k

Range

£100k – £110k

Rent Estimate (pcm)

£500

£450 - £500

Monthly

£500

Yield

5.71%

Verdict

Derived from HomePortfolio scores

Flat 10 earns an INVESTIGATE rating with HP Score 69/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (76/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

45/ 100

Elevated

Walkability

76/ 100

High

Transit & Bike

Transit 37Bike 25

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£105,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£500

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: -£8/mo
Cash on cash: -0.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.41 - 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£105,000

Rent Estimate (pcm)£500

Gross Yield5.71%

1y Growth+54.8%

3y Growth-1.0%

5y Growth+0.3%

10y Growth+3.4%

Last Sold Price£96,000 (2006-12-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1DE4 3GN

Approval Rate

-12mo

Development

low

24/01137/AMD
Non-material amendment - revision of windows and cladding
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
T/26/00158/TCA
Dismantle to as near to ground level as practical 2no. Silver Birch trees (T2) and (T3) and crown lift 1no. Horse Chesnut tree (T1) to achieve approximately 5.5 metres clearance above highway
Pending

View Planning Timeline

Ownership

Corporate Ownership76.1%
Overseas OwnershipNo
Lease Term Remaining148 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2006-12-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,700

Population Density636 /km²

Owner Occupied54%

Age Distribution

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

View Area Profile

Schools Nearby

All Saints CofE Infant School
0.3 mi
-
Castle View Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Joseph's Catholic Voluntary Academy
0.3 mi
Good
All Saints CofE Junior School
0.6 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Rutland Court Rutland Street
-
£100k
-
Rutland Court Rutland Street
-
£130k
-
21 Rutland Street
-
£320k
-
20 Rutland Street
-
£197k
-

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