Fields Farm Cottage, Newbold Road, Chesterfield, S41 9RP

UPRN:74064204-Beds -Built before 1900

Tenure: -Council Tax: -EPC: E (45)

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

Fields Farm Cottage, Newbold Road, Chesterfield, S41 9RP

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£365,000

£292k - £439kLow

Estimate

£365k

Range

£292k – £439k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

4.93%

Verdict

Derived from HomePortfolio scores

Fields Farm Cottage earns an INVESTIGATE rating with HP Score 68/100. Investment score 46/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (61/100). 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)Defra 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

68/ 100

Mixed

Investment Score

46/ 100

Mixed

Crime Score

21/ 100

Moderate

Walkability

61/ 100

Moderate

Transit & Bike

Transit 11Bike 38

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 4.9%; range width penalty ×0.94
- valuation_snapshotsrent estimate 1950/mo (range 1850-2100)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -701/mo, -36% 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
Risk & liquidity9.2/15
404 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£475,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,850-£2,100

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: -£253/mo
Cash on cash: -1.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.22 - 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 1950/mo (range 1850-2100)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1950/mo (range 1850-2100)

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£365,000

Rent Estimate (pcm)£1,950

Gross Yield4.93%

1y Growth-

3y Growth+0.0%

5y Growth+0.6%

10y Growth+3.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0S41 9RP

Approval Rate

-12mo

Development

low

26/00753/FLH
Side/front two-storey and single-storey extensions, together with the conversion of the existing garage to habitable accommodation and the provision of a new integrated garage to the front of the proposed extension.
Pending
CHE/26/00704/FUL
Construction of a two storey extension including an independent flat and attached garage with associated landscaping works
Pending
CHE/26/00591/LHE
Single storey rear extension measuring 6m in projection from the rear wall of the original dwellinghouse, 2.85m in eaves height and 3.98m in maximum height
Approved

View Planning Timeline

Ownership

Corporate Ownership63.7%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,931

Population Density79 /km²

Owner Occupied78%

Age Distribution

0-15 13%16-64 54%65+ 33%

View Area Profile

Schools Nearby

St Mary's Catholic High School, A Catholic Voluntary Academy
0.7 mi
Outstanding
Holme Hall Primary School
0.7 mi
Good
Dunston Primary and Nursery Academy
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Cutthorpe Primary School
1.0 mi
Good

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

784 Newbold Road
-
£382k
-
784 Newbold Road
-
£353k
-
776 Newbold Road
-
£405k
-
764 Newbold Road
-
£325k
-

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