Surrey Cottage, Higher Bal, St. Agnes, TR5 0ND

UPRN:10001212138Bungalow Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: F (34)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Surrey Cottage, Higher Bal, St. Agnes, TR5 0ND

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£517,000

£492k - £543kHigh

Estimate

£517k

Range

£492k – £543k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

7.53%

Verdict

Derived from HomePortfolio scores

Surrey Cottage earns an INVESTIGATE rating with HP Score 77/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (67/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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)Defra 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

77/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

67/ 100

Moderate

Transit & Bike

Transit 18Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£295,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,650-£2,050

Interest rate5.4%

Loan to value75%

Cash required: £94,550
Net cash flow: £285/mo
Cash on cash: 3.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.86 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£517,000

Rent Estimate (pcm)£1,850

Gross Yield7.53%

1y Growth-

3y Growth+1.4%

5y Growth+2.7%

10y Growth+4.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2TR5 0ND

Approval Rate

0%12mo

Development

low

PA26/07505
Extension to existing dwelling to provide additional Living and Bedroom spaces, plus ancillary works.
Pending
PA26/07276
Application for Permission in Principle for the construction of up to 9 dwellings (minimum of 4, maximum of 9)
Pending
PA26/06452
Listed Building Consent for removal of garage, construction of annexe building and alterations to the Grade 2 listed cottage and outbuilding.
Pending

View Planning Timeline

Ownership

Corporate Ownership74%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density137 /km²

Owner Occupied75%

Age Distribution

0-15 21%16-64 55%65+ 24%

View Area Profile

Schools Nearby

St Agnes Academy
0.6 mi
Outstanding
Mithian School
1.8 mi
Good
Mount Hawke Academy
2.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Blackwater Community Primary School
3.4 mi
Good

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Beaconway Higher Bal
-
£418k
-
3 Chapel Terrace
-
£760k
-
Homestead Higher Bal
-
£207k
-
Cormorant Cottage Higher Bal
-
£275k
-

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