3 Rose Cottages, Riber Road, Riber, Matlock, DE4 5JU

UPRN:10070107051Terrace Property3 bedsBuilt 2024

FreeholdCouncil Tax: -EPC: C (70)

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

3 Rose Cottages, Riber Road, Riber, Matlock, DE4 5JU

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£369,000

£295k - £442kLow

Estimate

£369k

Range

£295k – £442k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

2.69%

Verdict

Derived from HomePortfolio scores

3 Rose Cottages earns an INVESTIGATE rating with HP Score 60/100. Investment score 47/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (3/100). 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

60/ 100

Mixed

Investment Score

47/ 100

Mixed

Crime Score

14/ 100

Low

Walkability

3/ 100

Low

Transit & Bike

Transit 2Bike 10

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£625,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,300-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £210,050
Net cash flow: -£1,140/mo
Cash on cash: -6.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.66 - below 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£369,000

Rent Estimate (pcm)£1,400

Gross Yield2.69%

1y Growth+51.5%

3y Growth-1.0%

5y Growth+0.3%

10y Growth+3.4%

Last Sold Price£315,000 (2021-03-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

4DE4 5JU

Approval Rate

-12mo

Development

low

24/01137/AMD
Non-material amendment - revision of windows and cladding
Pending
T/26/00162/TCA
Remove branches closet to house window of 1no. sycamore tree by 1-2m and crown lift the tree by removing some of the lower tier to allow some light and view
Pending
T/26/00164/TCA
To fell 1 common salix
Pending

View Planning Timeline

Ownership

Corporate Ownership76.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-03-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,700

Population Density267 /km²

Owner Occupied77%

Age Distribution

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

View Area Profile

Schools Nearby

St Giles Church of England Primary and Nursery School
0.5 mi
Good
Castle View Primary School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Joseph's Catholic Voluntary Academy
1.0 mi
Good
Tansley Primary School
1.1 mi
Good

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

View All Schools

Comparables

View All

Riber Castle Riber Road
-
£475k
-
Riber Castle Riber Road
-
£500k
-
Crich View
-
£330k
-
Riber Manor
-
£940k
-

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