Jago Cottage, Veryan, Truro, TR2 5QJ

UPRN:10001209715Semi-Detached HouseBeds -Built 2003-2006

Tenure: -Council Tax: Band EEPC: D (55)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£806,000

£645k - £967kLow

Estimate

£806k

Range

£645k – £967k

Rent Estimate (pcm)

£3,450

£3k - £4k

Monthly

£3,450

Yield

3.78%

Verdict

Derived from HomePortfolio scores

Jago Cottage earns an INVESTIGATE rating with HP Score 61/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (8/100). 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)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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

61/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

8/ 100

Low

Transit & Bike

Transit 6Bike 20

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 3.8%; range width penalty ×0.82
- valuation_snapshotsrent estimate 3450/mo (range 3100-3750)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,214/mo, -64% 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 10 Nov 2026
Risk & liquidity9.2/15
124 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£1,095,000

At the asking price

Monthly rent£3,450/mo

Evidenced range £3,100-£3,750

Interest rate5.4%

Loan to value75%

Cash required: £383,050
Net cash flow: -£1,307/mo
Cash on cash: -4.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.93 - 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 3450/mo (range 3100-3750)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 10 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 10 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 3450/mo (range 3100-3750)

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£806,000

Rent Estimate (pcm)£3,450

Gross Yield3.78%

1y Growth-

3y Growth-4.0%

5y Growth-2.4%

10y Growth+2.0%

Last Sold Price£480,000 (2003-09-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1TR2 5QJ

Approval Rate

100%12mo

Development

low

PA26/06929
Listed Building Consent to replace asbestos roof with natural slate, repair chimney, replace rainwater goods and external render.
Pending
PA26/06690
Application for tree works within a Conservation Area: Removal of 2 sycamore trees
Approved
PA26/02906
Application for Permission in Principle for proposed residential development (minimum 1 maximum 1)
Approved

View Planning Timeline

Ownership

Corporate Ownership76.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2003-09-19
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density32 /km²

Owner Occupied69%

Age Distribution

0-15 11%16-64 56%65+ 33%

View Area Profile

Schools Nearby

Veryan CofE School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Tregony Community Primary School
3.5 mi
Inspected as Tregony Community Primary School (URN 111874) on 4 Nov 2014
The Roseland Academy
3.5 mi
Outstanding
Gerrans School
4.3 mi
Good

0 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Eglos Coth Trewartha
-
£948k
-
Fields Trewartha
-
£420k
-
Boudzhi Trewartha
-
£905k
-
Well Cottage Trewartha
-
£413k
-

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