27 Church Street, Melbourne, Derby, DE73 8EJ

UPRN:10090307119Detached HouseBeds -Built -

FreeholdCouncil Tax: -EPC: C (76)

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

27 Church Street, Melbourne, Derby, DE73 8EJ

HP Score

/ 100

Strong

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

20 of 21 sources

Sale Estimate

£503,000

£453k - £553kMedium

Estimate

£503k

Range

£453k – £553k

Rent Estimate (pcm)

£2,000

£2k - £2k

Monthly

£2,000

Yield

3.69%

Verdict

Derived from HomePortfolio scores

27 Church Street earns an INVESTIGATE rating with HP Score 78/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (69/100). 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

78/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

69/ 100

Moderate

Transit & Bike

Transit 22Bike 38

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

new-build plot advert 29% above the estimate on its UPRN - the estimate describes another home on the development, not this plot

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£650,000

At the asking price

Monthly rent£2,000/mo

Evidenced range £1,800-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£809/mo
Cash on cash: -4.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.91 - 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£503,000

Rent Estimate (pcm)£2,000

Gross Yield3.69%

1y Growth-

3y Growth-0.6%

5y Growth+0.8%

10y Growth+2.8%

Last Sold Price£315,000 (2012-08-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

8DE73 8EJ

Approval Rate

100%12mo

Development

low

DMOT/2026/1380
The felling of 1 Sycamore tree at
Pending
DMPA/2026/1358
Outline application for the erection of up to 9 dwellings with all matters reserved except for access on
Pending
DMOT/2026/1413
The felling of a Copper Beech tree at
Pending

View Planning Timeline

Ownership

Corporate Ownership70.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2012-08-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£35,452

Population Density1,928 /km²

Owner Occupied60%

Age Distribution

0-15 18%16-64 58%65+ 24%

View Area Profile

Schools Nearby

Melbourne Junior School
0.3 mi
Good
Melbourne Infant & Nursery School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Hardulph's Church of England Primary School
1.8 mi
Good
Weston-on-Trent CofE (VA) Primary School
2.1 mi
Good

4 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

33 Church Street
-
£415k
-
Melbourne Community Centre Church Street
-
£857k
-
23 - 25 Church Street
-
£475k
-
64 Church Street
-
£200k
-

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