The Cottage, Main Road, Lea, Matlock, DE4 5GR

UPRN:200000387678Terrace Property3 bedsBuilt before 1900

Tenure: -Council Tax: -EPC: C (70)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

The Cottage, Main Road, Lea, Matlock, DE4 5GR

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£206,000

£165k - £247kLow

Estimate

£206k

Range

£165k – £247k

Rent Estimate (pcm)

£800

£700 - £850

Monthly

£800

Yield

2.23%

Verdict

Derived from HomePortfolio scores

The Cottage earns an INVESTIGATE rating with HP Score 62/100. Investment score 51/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (0/100). 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 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

4/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 4Bike 14

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 2.2%; range width penalty ×0.82
- valuation_snapshotsrent estimate 800/mo (range 700-850)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,356/mo, -170% 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
Risk & liquidity9.3/15
408 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£430,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £141,800
Net cash flow: -£897/mo
Cash on cash: -7.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.55 - below 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_snapshotsrent estimate 800/mo (range 700-850)Rental economics · as of 10 Oct 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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 700-850)

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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£206,000

Rent Estimate (pcm)£800

Gross Yield2.23%

1y Growth+310.6%

3y Growth-1.0%

5y Growth+0.3%

10y Growth+3.4%

Last Sold Price£380,000 (2021-06-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

4DE4 5GR

Approval Rate

100%12mo

Development

low

SD3914
Discharge of Condition 6 in reference to planning application CD6/1225/14 - Prior to commencement of the proposed development a Habitat Management and Monitoring Plan (HMMP) should be submitted to the County Planning Authority for approval in writing
Pending
SD3912
Discharge of Condition 4 in reference to planning application CD6/1225/14 - Prior to the commencement of the proposed development, a construction management plan to address the impact of the proposed construction access across the playing field on the quality of the playing field shall have been submitted to and approved in writing by the County Planning Authority
Pending
TRE/2026/0987
Lawsons Cypress, 10m tall, overhanging and touching garage; planted too close to garage. Fell Cherry adjacent to drive, 6m, sympathetic maintenance reduction by 15-20% to keep the tree at a size that is suitable for its setting. Remove dead, weak and crossing branches and further branches extending from the main canopy, not more than 10mm diameter.
Approved

View Planning Timeline

Ownership

Corporate Ownership76.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2021-06-25
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,823

Population Density129 /km²

Owner Occupied76%

Age Distribution

0-15 15%16-64 53%65+ 32%

View Area Profile

Schools Nearby

Lea Primary School
0.6 mi
Outstanding
Tansley Primary School
1.5 mi
Good
Crich Carr CofE Primary School
2.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Giles Church of England Primary and Nursery School
2.1 mi
Good

0 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Lea Hall Upper Lea
-
£1.40M
-
Lea Hall Upper Lea
-
£250k
-
Laburnum Cottage Upper Lea
-
£341k
-
Cowley Farm Upper Lea
-
£595k
-

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