49 Valley Road, Chesterfield, S41 0HB

UPRN:74034747Terrace Property2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (55)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 3mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£124,000

£118k - £131kHigh

Estimate

£124k

Range

£118k – £131k

Rent Estimate (pcm)

£650

£650 - £700

Monthly

£650

Yield

6.50%

Verdict

Derived from HomePortfolio scores

49 Valley Road earns an INVESTIGATE rating with HP Score 65/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (54/100). 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

65/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

54/ 100

Elevated

Walkability

54/ 100

Moderate

Transit & Bike

Transit 22Bike 44

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

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

Valuation edge2.5/15
claims [AVM +3.2% (HIGH), sold-comps +15.5%, £/sqft +15.4%] → measured edge +0.50pp 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 74034747· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.2%· as of 30 Oct 2026
Rental economics12/40
gross yield 6.5%; range width penalty ×1.00
- valuation_snapshotsrent estimate 650/mo (range 650-700)· as of 13 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 4 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -158/mo, -24% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 52 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 4 Nov 2026
Risk & liquidity14.6/15
404 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

£90,000£138,000

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£120,000

At the asking price

Monthly rent£650/mo

Evidenced range £650-£700

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £45/mo
Cash on cash: 1.4%
Score at this price: 29

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.60 - 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 74034747Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.2%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 650-700)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 4 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 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 650/mo (range 650-700)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£124,000

Rent Estimate (pcm)£650

Gross Yield6.50%

1y Growth+23.9%

3y Growth+0.0%

5y Growth+0.6%

10y Growth+3.5%

Last Sold Price£73,500 (2016-01-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0S41 0HB

Approval Rate

-12mo

Development

low

CHE/26/01007/DOC
Discharge of conditions 3 (Refurbishment of windows), 4 (Materials), 5 (Landscaping), 6 (Plant and equipment details), 7 (Details of junction of building), 8 (Boundary treatment details) and 9 (Biodiversity) of application CHE/23/00383/FUL- Reorganisation of lower ground and ground floors of existing pub to form 2 self contained units under class E (b), new glazed orangery and upgraded beer garden and formation of 3 flats within existing building
Pending
CHE/26/00994/VCON
Variation of Condition 1 (Approved plans) of application CHE/21/00706/REM1- To construct a semi-detached pair of dwellings instead of a row of 3 terraced dwellings
Pending
CHE/26/00956/DOC
Discharge of conditions 6 (Construction Management Plan), 7 (Scheme for surface water drainage), 8 (Foul surface water drainage), 9 (Landscaping), 10 (Habitat Management and Monitoring Plan), 11 (Construction Environmental Management Plan), 12 (Lighting scheme), 13 (Species Enhancement Plan) and 16 (Cycle parking) of application CHE/24/00777/FUL- Change of use of land to holiday lodge site to provide 15 lodges, reception/shop/maintenance building and children's play area
Pending

View Planning Timeline

Ownership

Corporate Ownership63.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-01-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,621

Population Density1,395 /km²

Owner Occupied65%

Age Distribution

0-15 16%16-64 68%65+ 16%

View Area Profile

Schools Nearby

Hady Primary School
0.3 mi
Inspected as Hady Primary School (URN 112665) on 24 Apr 2024
St Peter and St Paul School
0.4 mi
Inspected by ISI
Hasland Infant School
0.7 mi
Good
Chesterfield Hospital School
0.7 mi
-

3 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

87 Valley Road
-
£133k
-
57 Valley Road
-
£135k
-
27 Valley Road
-
£138k
-
69 Valley Road
-
£110k
-

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