# 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 |