Flats/Maisonettes 2 sales on record

27 ST LAURENCE GARDENS

BELPER, AMBER VALLEY, DERBYSHIRE, DE56 1HH

£150,000

Location

Map view View on Google Maps View on OpenStreetMap Street View DE56 1HH

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Train station	Belper	0.1 miles
Bus stop	Church Lane	0.1 miles
Shop	Betfred	0.1 miles
University	University of Derby - Markeaton Street Campus	6.7 miles
Hospital	Kingsway Hospital	7.5 miles

Property details

Tenure

Leasehold

Property type

Flat

Bedrooms

Last sold

£150,000 Feb 2026

Local average

£158,586 (11 sales)

Street crime

88 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	27/02/2026	£150,000	Flat	+63%	£150,613 to April 2026	View transaction
Sold	04/08/2011	£92,000	Flat	—	£140,504 to April 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£150,000
listed	23/05/2020	£615
sold	01/01/2011	£92,000
sold	01/01/2005	£110,000

Photos · Open listing

Sold comparables

No comparable sales found in this area for the last 5 years.

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth -6.3%

10y growth 58.6%

House Price Index (HM Land Registry — official index, not sold-price averages): Amber Valley. Series: Flats and maisonettes. As of April 2026.

1y (index) -0.2%

5y (index) 7.9%

10y (index) 41.9%

Rental Range

Estimated market rent for Amber Valley. Low = conservative, Realistic = average, Optimistic = best case.

Low £710/mo

Realistic £789/mo

Optimistic £868/mo

Based on Local Authority from postcode lookup → Amber Valley.

LHA (30th percentile) floor for Peaks & Dales: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
1 Bed Flat, Bridge Street, DE56	£535/mo	1	0.17 miles	OpenRent
1 Bed Terraced House, Bridge Street, DE56	£690/mo	1	0.17 miles	OpenRent
1 Bed Flat, Bridge Street, DE56	£575/mo	1	0.21 miles	OpenRent
1 Bed Flat, New Road, DE56	£525/mo	1	0.25 miles	OpenRent
1 Bed Flat, Meadowbank, DE56	£650/mo	1	0.4 miles	OpenRent

Average rent: £595/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.38%

Max investor price (0.8%) £71,875

Target investor price (1%) £57,500

Gross yield 4.6%

Cost-to-rent ratio 21.7×

Monthly cashflow £-98/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -2.7%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Violence and sexual offences	41
Anti-social behaviour	18
Public order	13
Shoplifting	9
Criminal damage and arson	4
Other theft	1
Possession of weapons	1
Vehicle crime	1
Total incidents	88

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Long Row Primary School	Primary	0.2 miles	Good — 11 Nov 2013
St Elizabeth's Catholic Voluntary Academy	Primary	0.4 miles	Outstanding — 7 Nov 2014
St John's CofE Primary School and Nursery	Primary	0.5 miles	Good — 21 May 2023
Herbert Strutt Primary School	Primary	0.8 miles	Good — 3 Oct 2013
Pottery Primary School	Primary	0.9 miles	Requires improvement — 21 Jan 2024

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 27 ST LAURENCE GARDENS, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 1HH

## Property details

- Slug: `23efa8c` (address key hash: `23efa8c4db46e31d586608bfeaa130a76a861a01`)
- Postcode: DE56 1HH
- Transactions on record: 2

- Tenure: Leasehold
- Property type: Flat
- Bedrooms: 1
- Last sold: £150,000 Feb 2026
- Local average: £158,586 (11 sales)
- Street crime: 88 incidents within 1 mile (May 2026)

## Latest sale

- Price: £150,000
- Date: 2026-02-27
- Type: F
- Tenure: L

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-27 | £150,000 | Flat | +63% | £150,613 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b83-e9c5-b8d0-e063-4704a8c08d98) |
| Sold | 2011-08-04 | £92,000 | Flat | — | £140,504 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/b325af16-556e-4925-936f-59eeb3281b66) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 27 ST LAURENCE GARDENS, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 1HH | £150,000 | 27/02/2026 | Flat |
| 27 ST LAURENCE GARDENS, BELPER, AMBER VALLEY, DERBYSHIRE, DE56 1HH | £92,000 | 04/08/2011 | Flat |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [80017327](http://87.117.209.195:8080/listings/062e02a)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £150,000 |
| listed | 2020-05-23 | £615 |
| sold | 2011-01-01 | £92,000 |
| sold | 2005-01-01 | £110,000 |

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -6.3%
- **10y growth:** 58.6%

## House Price Index (HM Land Registry)

*Official index for Amber Valley; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -0.2%
- **5y growth (index):** 7.9%
- **10y growth (index):** 41.9%

## Rental Range

*ONS Price Index of Private Rents (Amber Valley). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £710/mo
- **Realistic:** £789/mo
- **Optimistic:** £868/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Peaks & Dales (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 1 Bed Flat, Bridge Street, DE56 | £535/mo | 1 | 0.17 miles | OpenRent |
| 1 Bed Terraced House, Bridge Street, DE56 | £690/mo | 1 | 0.17 miles | OpenRent |
| 1 Bed Flat, Bridge Street, DE56 | £575/mo | 1 | 0.21 miles | OpenRent |
| 1 Bed Flat, New Road, DE56 | £525/mo | 1 | 0.25 miles | OpenRent |
| 1 Bed Flat, Meadowbank, DE56 | £650/mo | 1 | 0.4 miles | OpenRent |

**Average rent: £595/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.38% (weak for cashflow)
- **Max investor price (0.8%):** £71,875
- **Target investor price (1%):** £57,500

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £575/mo).*

- **Gross yield:** 4.6%
- **Cost-to-rent:** 21.7×
- **Monthly cashflow:** £-98/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.7%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 41 |
| Anti-social behaviour | 18 |
| Public order | 13 |
| Shoplifting | 9 |
| Criminal damage and arson | 4 |
| Other theft | 1 |
| Possession of weapons | 1 |
| Vehicle crime | 1 |
| **Total incidents** | **88** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Long Row Primary School | Primary | 0.2 miles | Good — 11 Nov 2013 |
| St Elizabeth's Catholic Voluntary Academy | Primary | 0.4 miles | Outstanding — 7 Nov 2014 |
| St John's CofE Primary School and Nursery | Primary | 0.5 miles | Good — 21 May 2023 |
| Herbert Strutt Primary School | Primary | 0.8 miles | Good — 3 Oct 2013 |
| Pottery Primary School | Primary | 0.9 miles | Requires improvement — 21 Jan 2024 |