Flat 10A, Shopping Centre, Cuttholme Way, Chesterfield, S40 4QZ

UPRN:74062442Purpose Built Flat3 bedsBuilt 1950-1966

LeaseholdCouncil Tax: -EPC: D (60)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 3mo agoAmenities· 2mo agoArea· Census 2021

Flat 10A, Shopping Centre, Cuttholme Way, Chesterfield, S40 4QZ

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£93,000

£75k - £112kLow

Estimate

£93k

Range

£75k – £112k

Rent Estimate (pcm)

£500

£500 - £550

Monthly

£500

Yield

5.00%

Verdict

Derived from HomePortfolio scores

Flat 10A earns an INVESTIGATE rating with HP Score 73/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (53/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

73/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

53/ 100

Moderate

Transit & Bike

Transit 40Bike 51

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 5.0%; range width penalty ×1.00
- valuation_snapshotsrent estimate 500/mo (range 500-550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -270/mo, -54% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026· verify before relying on this
Risk & liquidity9.3/15
465 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£120,000

At the asking price

Monthly rent£500/mo

Evidenced range £500-£550

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: -£59/mo
Cash on cash: -1.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - 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 500/mo (range 500-550)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 500/mo (range 500-550)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
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£93,000

Rent Estimate (pcm)£500

Gross Yield5.00%

1y Growth-

3y Growth-0.8%

5y Growth+0.5%

10y Growth+2.9%

Last Sold Price£77,000 (2021-04-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0S40 4QZ

Approval Rate

-12mo

Development

low

CHE/26/01006/HOU
Single storey rear extension and single storey side extension
Pending
CHE/26/00992/HOU
Demolition of side porch and proposed 2 storey side extension and single storey rear extension with conversion of existing garage and installation of front gates
Pending
CHE/26/00900/TPO
Removal of trees T1-T18
Pending

View Planning Timeline

Ownership

Corporate Ownership61.5%
Overseas OwnershipNo
Lease Term Remaining112 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2021-04-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

7 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,621

Population Density-

Owner Occupied63%

Age Distribution

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

View Area Profile

Schools Nearby

Ashgate Croft School
0.2 mi
Outstanding
Brockwell Nursery and Infant School
0.3 mi
Good
Brockwell Junior School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Holme Hall Primary School
0.4 mi
Good

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

View All Schools

Comparables

View All

Shopping Centre Cuttholme Way
-
£77k
-

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