290 Derby Road, Marehay, Ripley, DE5 8JN

UPRN:200000389152Semi-Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band AEPC: D (61)

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

290 Derby Road, Marehay, Ripley, DE5 8JN

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£160,000

£152k - £168kHigh

Estimate

£160k

Range

£152k – £168k

Rent Estimate (pcm)

£750

£700 - £800

Monthly

£750

Yield

1.38%

Verdict

Derived from HomePortfolio scores

290 Derby Road earns an INVESTIGATE rating with HP Score 78/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (77/100). 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 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

78/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

77/ 100

High

Transit & Bike

Transit 21Bike 60

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 31 Oct 2026

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

Valuation edge-1.6/15
claims [AVM -306.2% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 200000389152· as of 9 Oct 2026
Rental economics0/40
gross yield 1.4%; range width penalty ×0.93
- valuation_snapshotsrent estimate 750/mo (range 700-800)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,321/mo, -309% 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 31 Oct 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.6/15
282 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

£487,500£747,500

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£650,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£800

Interest rate5.4%

Loan to value75%

Cash required: £218,800
Net cash flow: -£1,675/mo
Cash on cash: -9.2%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.34 - 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_snapshotsestimate for 200000389152Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-800)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 31 Oct 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
Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-800)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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£160,000

Rent Estimate (pcm)£750

Gross Yield1.38%

1y Growth-

3y Growth-2.0%

5y Growth+2.5%

10y Growth+3.8%

Last Sold Price£145,000 (2022-10-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0DE5 8JN

Approval Rate

-12mo

Development

low

AVA/2026/0628
Application for a Lawful Development Certificate for a proposed detached garage.
Approved
AVA/2026/0377
Demolition of existing conservatory and construction of rear and side extensions with associated internal and external alterations
Approved
AVA/2026/0343
Proposed New Industrial Unit
Pending

View Planning Timeline

Ownership

Corporate Ownership75.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-10-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,823

Population Density-

Owner Occupied79%

Age Distribution

0-15 18%16-64 62%65+ 20%

View Area Profile

Schools Nearby

Ripley Infant School
0.8 mi
GoodConcerns
Street Lane Primary School
0.8 mi
Good
Ripley Junior School
0.8 mi
Inspected as Ripley Junior School (URN 112611) on 20 Jun 2024
Ripley Nursery School
1.0 mi
Good

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

265 Derby Road
-
£178k
-
304 Derby Road
-
£77k
-
266 Derby Road
-
£402k
-
283 Derby Road
-
£185k
-

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