19 Stainsby Mill Crescent, Clay Cross, Chesterfield, S45 9UG

UPRN:10095372389Detached House4 bedsBuilt 2020

FreeholdCouncil Tax: Band DEPC: B (82)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

19 Stainsby Mill Crescent, Clay Cross, Chesterfield, S45 9UG

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£364,000

£346k - £383kHigh

Estimate

£364k

Range

£346k – £383k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

5.75%

Verdict

Derived from HomePortfolio scores

19 Stainsby Mill Crescent earns an INVESTIGATE rating with HP Score 56/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (20/100). 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 listingsMarket 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

56/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

40/ 100

Elevated

Walkability

20/ 100

Low

Transit & Bike

Transit 8Bike 35

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -0.3% (HIGH), sold-comps -21.3%, £/sqft -21.3%] → measured edge +0.00pp 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 (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10095372389· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 2.9%· as of 24 Oct 2026
Rental economics5.2/40
gross yield 5.8%; range width penalty ×0.86
- valuation_snapshotsrent estimate 1750/mo (range 1600-1900)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -384/mo, -22% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 118 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 5 Nov 2026
Risk & liquidity14.6/15
143 sales/12mo in area; valuation range width 10%
- 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

£274,000£419,500

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£365,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,600-£1,900

Interest rate5.4%

Loan to value75%

Cash required: £119,050
Net cash flow: -£20/mo
Cash on cash: -0.2%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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 10095372389Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 2.9%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 1750/mo (range 1600-1900)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 1750/mo (range 1600-1900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 118 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. 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£364,000

Rent Estimate (pcm)£1,750

Gross Yield5.75%

1y Growth+7.1%

3y Growth+2.8%

5y Growth+1.9%

10y Growth+5.7%

Last Sold Price£339,995 (2025-04-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0S45 9UG

Approval Rate

-12mo

Development

low

26/00692/DISCON
Application to discharge conditions 11 (street maintenance) and 14 (multiuser route) pursuant to planning application 22/00990/RM (Phase 5a)
Pending
26/00610/FLH
Infill walls to approved garage in stone for security of storage of disabled mobility scooter (Affecting setting of a listed building)(Amended Plans)
Pending
26/00567/FL
Change of Use of the site to be used for open storage including shipping container storage (additional information).
Pending

View Planning Timeline