For sale Semi-detached

23 NEW STREET

MATLOCK, DERBYSHIRE DE4 3FH

2 beds 1 baths 61 m² Listed 8 Jun 2026 (-83d)

£195,000

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# 2 bedroom semi-detached house for sale (DE4 3FH)

## Property Details

| Key | Value |
|-----|-------|
| Address | 23 NEW STREET, MATLOCK, DERBYSHIRE DE4 3FH |
| Price | £195,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | B |
| Last sold | £180,000 Nov 2025 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 31/07/2035
- **Current heating cost:** £1,119/year
- **Est. upgrade cost to C:** £25,750

### Recommendations
- Q (£7,500 - £11,000)
- W2 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/6902-4005-0002-1108-7606)

## Description

Grants of Derbyshire are delighted to offer for sale this charming two bedroom home, ideally situated just a short walk from Matlock town centre and its excellent range of amenities. The ground floor features a well equipped kitchen, a spacious and versatile living/dining area and a contemporary bathroom. To the first floor, the property offers a generous double bedroom, a second single bedroom and a convenient WC. Outside, a low maintenance paved courtyard provides the perfect spot for outdoor dining or relaxing, while a private driveway offers valuable off road parking for up to three vehicles. Viewing highly recommended. Virtual tour available.

EPC Rating: D

## Property Photos

- ![Outside](/listings/photos/89439861/1995564) - Outside
- ![Kitchen](/listings/photos/89439861/1995566) - Kitchen
- ![Kitchen](/listings/photos/89439861/1995569) - Kitchen
- ![Living/Dining Area](/listings/photos/89439861/1995571) - Living/Dining Area
- ![Living/Dining Area](/listings/photos/89439861/1995572) - Living/Dining Area
- ![Living/Dining Area](/listings/photos/89439861/1995574) - Living/Dining Area
- ![Living/Dining Area](/listings/photos/89439861/1995575) - Living/Dining Area
- ![Living/Dining Area](/listings/photos/89439861/1995578) - Living/Dining Area
- ![Bathroom](/listings/photos/89439861/1995580) - Bathroom
- ![Bedroom One](/listings/photos/89439861/1995581) - Bedroom One
- ![Bedroom One](/listings/photos/89439861/1995582) - Bedroom One
- ![WC](/listings/photos/89439861/1995583) - WC
- ![Bedroom Two](/listings/photos/89439861/1995584) - Bedroom Two
- ![Outside](/listings/photos/89439861/1995585) - Outside
- ![Outside](/listings/photos/89439861/1995587) - Outside
- ![Outside](/listings/photos/89439861/1995589) - Outside

## Floorplans

- ![Floorplan 1](/listings/photos/89439861/1995590) - Floorplan 1
- ![Floorplan 2](/listings/photos/89439861/1995592) - Floorplan 2
- ![Floorplan 3](/listings/photos/89439861/1995593) - Floorplan 3

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #2057016
- **Address:** 23 New Street, MATLOCK, DE4 3FH
- **Certificate Issued:** 21/09/2004
- **Work Completed:** 14/03/2003
- **Items:** 2 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 23 NEW STREET, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FH | £180,000 | 28/11/2025 | Terraced |
| 23 NEW STREET, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FH | £134,000 | 18/12/2009 | Terraced |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 41 BANK ROAD, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3GL | £305,000 | 22/12/2025 | Semi-detached |
| 6 LIME GROVE WALK, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FD | £255,000 | 08/09/2023 | Semi-detached |
| 15 OAK ROAD, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FJ | £265,000 | 20/12/2022 | Semi-detached |
| 15 HENRY AVENUE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FL | £420,000 | 25/11/2022 | Semi-detached |
| 6 LILYBANK CLOSE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3EH | £380,250 | 04/11/2022 | Semi-detached |
| 66 SMEDLEY STREET EAST, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FQ | £220,000 | 12/08/2022 | Semi-detached |
| 8 SMEDLEY STREET EAST, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FQ | £176,450 | 18/03/2022 | Semi-detached |
| LILYBANK COURT ISKRA HENRY AVENUE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FL | £665,000 | 28/01/2022 | Semi-detached |
| [Same street] THE OLD SUNDAY SCHOOL EAST WING NEW STREET, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FH | £305,000 | 13/12/2021 | Other |
| 16 LIME GROVE AVENUE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FG | £180,000 | 03/09/2021 | Semi-detached |
| 11 LIME GROVE WALK, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FD | £470,000 | 31/08/2021 | Semi-detached |

**Street average:** £305,000 (1 sale)
**Area average:** £333,670 (10 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £267,711 (35 Semi-detached, DE4, 2024–2026)
- **Deviation:** -27.2%

## Rental Range

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

- **Low:** £729/mo
- **Realistic:** £810/mo
- **Optimistic:** £891/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £593/mo

## 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 |
|------|------|------|------|------|
| 2 Bed Terraced House, Victoria Hall Gardens, DE4 | £850/mo | 2 | 0.18 miles | OpenRent |
| 2 Bed Flat, Dale Rd, DE4 | £1,289/mo | 2 | 0.35 miles | OpenRent |
| 2 Bed Terraced House, Matlock, DE4 | £900/mo | 2 | 0.42 miles | OpenRent |

**Average rent: £1,013/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.46% (weak for cashflow)
- **Max investor price (0.8%):** £112,500
- **Target investor price (1%):** £90,000

*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 £900/mo).*

- **Gross yield:** 5.5%
- **Cost-to-rent:** 18.1×
- **Monthly cashflow:** £17/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.4%

*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).*

## Price per Square Metre

- **£/m²:** £3,197/m²

## Capital growth trend

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

- **5y growth:** 18.7%
- **10y growth:** 48%

## House Price Index (HM Land Registry)

*Official index for Derbyshire Dales; Semi-detached series; as of May 2026.*

- **1y growth (index):** 7.4%
- **5y growth (index):** 22%
- **10y growth (index):** 50.8%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

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

Outside Kitchen Kitchen Living/Dining Area Living/Dining Area Living/Dining Area Living/Dining Area Living/Dining Area Bathroom Bedroom One Bedroom One WC Bedroom Two Outside Outside Outside

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Property details

Tenure

FREEHOLD

Floor area

61 m²

Council tax band

EPC rating

Last sold

£180,000 Nov 2025

Price per m²

£3,197/m²

Local average

£267,711 (-27.2%)

Deprivation

Decile 4 (10,493 of 33,755)

Street crime

100 incidents within 1 mile (Jun 2026)

Key features

Two bedroom property
Off-road parking
Paved courtyard
EPC Rating D
Viewing highly recommended
Virtual tour available

Additional details

Electricity: Mains supply
Broadband: Cable
Water: Mains supply
Sewerage: Mains supply
Heating: Gas central
Parking: Yes
Garden: Private garden
Listed property: No
Restrictions: No
Required access: No
Rights of way: No
Flooded in last 5 years: No
Flood defences: No

Description

Listed by

Wirksworth

SmartLet (Derbyshire) Ltd

Reference: 89439861

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 01/08/2025

Expiry date: 31/07/2035

Current heating cost: £1,119/year

Potential heating cost: £655/year

Est. upgrade cost to C: £25,750

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£7,500 - £11,000)
Floor insulation (solid floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Registered land (INSPIRE)

This location falls inside an HM Land Registry INSPIRE registered freehold polygon.

Plot: ~191 m² (0.05 acres)

Source: HM Land Registry INSPIRE Index Polygons.

Floorplans

Floorplan 1

Floorplan 2

Floorplan 3

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #2057016

Property Details

Street: 23 New Street

Town: MATLOCK

Postcode: DE4 3FH

Installation Details

Items: 2 windows and 1 door

Certificate Issued: 21/09/2004

Work Completed: 14/03/2003

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

34% since 2009

Event	Date	Price	% change
Listed for sale	—	£195,000	+8.3%
Sold	28/11/2025 (9 months ago)	£180,000	+34.3%
Sold	18/12/2009 (16 years ago)	£134,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
41 BANK ROAD, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3GL	£305,000	22/12/2025	Semi-detached
6 LIME GROVE WALK, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FD	£255,000	08/09/2023	Semi-detached
15 OAK ROAD, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FJ	£265,000	20/12/2022	Semi-detached
15 HENRY AVENUE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FL	£420,000	25/11/2022	Semi-detached
6 LILYBANK CLOSE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3EH	£380,250	04/11/2022	Semi-detached
66 SMEDLEY STREET EAST, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FQ	£220,000	12/08/2022	Semi-detached
8 SMEDLEY STREET EAST, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FQ	£176,450	18/03/2022	Semi-detached
LILYBANK COURT ISKRA HENRY AVENUE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FL	£665,000	28/01/2022	Semi-detached
Same street THE OLD SUNDAY SCHOOL EAST WING NEW STREET, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FH	£305,000	13/12/2021	Other
16 LIME GROVE AVENUE, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FG	£180,000	03/09/2021	Semi-detached
11 LIME GROVE WALK, MATLOCK, DERBYSHIRE DALES, DERBYSHIRE, DE4 3FD	£470,000	31/08/2021	Semi-detached

Street average: £305,000 (1 sale)

Area average: £333,670 (10 sales)

Capital growth trend

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

5y growth 18.7%

10y growth 48%

House Price Index (HM Land Registry — official index, not sold-price averages): Derbyshire Dales. Series: Semi-detached. As of May 2026.

1y (index) 7.4%

5y (index) 22%

10y (index) 50.8%

Rental Range

Estimated market rent for Derbyshire Dales. Low = conservative, Realistic = average, Optimistic = best case.

Low £729/mo

Realistic £810/mo

Optimistic £891/mo

Based on Local Authority from postcode lookup → Derbyshire Dales.

LHA (30th percentile) floor for Peaks & Dales: £593/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View DE4 3FH

Nearby

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

Type	Name	Distance
Shop	Bridal Studio	0.0 miles
Shop	bedazzled	0.0 miles
Bus stop	Smedley Street	0.2 miles
Bus stop	Town Hall	0.2 miles
Train station	Matlock	0.4 miles
Train station	Matlock Riverside	0.6 miles
University	University of Derby	6.0 miles
Hospital	Babington Hospital	8.9 miles
Hospital	Saint Oswald's Hospital	11.8 miles

Street-level crime

Category	Count
Violence and sexual offences	34
Anti-social behaviour	14
Public order	13
Other theft	11
Shoplifting	9
Criminal damage and arson	7
Drugs	5
Burglary	2
Other crime	1
Possession of weapons	1
Robbery	1
Theft from the person	1
Vehicle crime	1
Total incidents	100

Within 1 mile during Jun 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
Castle View Primary School	Primary	0.3 miles	Requires improvement — 28 Sep 2022
All Saints CofE Infant School	Primary	0.3 miles	Good — 6 Jul 2011
St Joseph's Catholic Voluntary Academy	Primary	0.4 miles	Good — 14 Oct 2019
All Saints CofE Junior School	Primary	0.6 miles	Good — 21 Dec 2012
Highfields School	Secondary	0.8 miles	Good — 22 Oct 2012

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
2 Bed Terraced House, Victoria Hall Gardens, DE4	£850/mo	2	0.18 miles	OpenRent
2 Bed Flat, Dale Rd, DE4	£1,289/mo	2	0.35 miles	OpenRent
2 Bed Terraced House, Matlock, DE4	£900/mo	2	0.42 miles	OpenRent

Average rent: £1,013/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.46%

Max investor price (0.8%) £112,500

Target investor price (1%) £90,000

Gross yield 5.5%

Cost-to-rent ratio 18.1×

Monthly cashflow £17/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.4%

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).