10 Chapel Crescent, Zelah, Truro, TR4 9HN

UPRN:10001200817Flat/Maisonette2 bedsBuilt 1976-1982

LeaseholdCouncil Tax: Band AEPC: D (61)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

10 Chapel Crescent, Zelah, Truro, TR4 9HN

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£123,000

£99k - £148kLow

Estimate

£123k

Range

£99k – £148k

Rent Estimate (pcm)

£500

£450 - £550

Monthly

£500

Yield

3.53%

Verdict

Derived from HomePortfolio scores

10 Chapel Crescent earns an INVESTIGATE rating with HP Score 54/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (8/100). 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 NationsMarket 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

54/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

8/ 100

Low

Transit & Bike

Transit 4Bike 15

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 3.5%; range width penalty ×0.80
- valuation_snapshotsrent estimate 500/mo (range 450-550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -541/mo, -108% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026
Risk & liquidity9.3/15
131 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£170,000

At the asking price

Monthly rent£500/mo

Evidenced range £450-£550

Interest rate5.4%

Loan to value75%

Cash required: £53,200
Net cash flow: -£228/mo
Cash on cash: -5.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.87 - 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 450-550)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
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 500/mo (range 450-550)

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£123,000

Rent Estimate (pcm)£500

Gross Yield3.53%

1y Growth-

3y Growth-3.0%

5y Growth+0.0%

10y Growth+3.9%

Last Sold Price£80,500 (2010-01-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TR4 9HN

Approval Rate

-12mo

Development

low

PA26/06626
Change of use from ancillary accommodation to a HMO, with Gastro-pub remaining
Pending
PA26/05922
Submission of details to discharge Conditions 4 Access, 6 Boundary Treatments, and 8 Bat/Bird/Bee further details, in respect of Decision Notice PA26/02542 dated 26.06.2026
Conditions
PA26/05255
Application for Permission in Principle for the construction of up to 3 dwellings (minimum of 1, maximum of 3)
Pending

View Planning Timeline

Ownership

Corporate Ownership75.2%
Overseas OwnershipNo
Lease Term Remaining98 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2010-01-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

22 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density-

Owner Occupied68%

Age Distribution

0-15 20%16-64 63%65+ 17%

View Area Profile

Schools Nearby

Goonhavern Primary School
1.9 mi
Inspected as Goonhavern Primary School (URN 111864) on 11 Oct 2022
Shortlanesend School
2.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
St Erme with Trispen Community Primary School
2.6 mi
Good
St Newlyn East Learning Academy
3.0 mi
Inspected as St Newlyn East Primary School (URN 111986) on 6 Mar 2012

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Sansigra House
-
£475k
-
3 Chapel Crescent
-
£86k
-
Byways
-
£66k
-
Balmerino
-
£270k
-

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