Toads Place, 8 Bull Hill, Fowey, PL23 1BZ

UPRN:10002692867Detached House6 bedsBuilt before 1900

FreeholdCouncil Tax: Band GEPC: D (61)

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

Toads Place, 8 Bull Hill, Fowey, PL23 1BZ

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£1,320,000

£1.06M - £1.58MLow

Estimate

£1.32M

Range

£1.06M – £1.58M

Rent Estimate (pcm)

£3,000

£2k - £4k

Monthly

£3,000

Yield

2.12%

Verdict

Derived from HomePortfolio scores

Toads Place earns an INVESTIGATE rating with HP Score 72/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (51/100). 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 NationsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

51/ 100

Moderate

Transit & Bike

Transit 18Bike 28

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 2.1%; range width penalty ×0.47
- valuation_snapshotsrent estimate 3000/mo (range 2450-3550)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -5,076/mo, -169% 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 13 Nov 2026
Risk & liquidity9.2/15
52 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£1,695,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,450-£3,550

Interest rate5.4%

Loan to value75%

Cash required: £626,950
Net cash flow: -£3,644/mo
Cash on cash: -7.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.52 - 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 3000/mo (range 2450-3550)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 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 3000/mo (range 2450-3550)

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£1,320,000

Rent Estimate (pcm)£3,000

Gross Yield2.12%

1y Growth+27.5%

3y Growth+2.4%

5y Growth+2.3%

10y Growth+5.8%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0PL23 1BZ

Approval Rate

-12mo

Development

low

PA26/07719
Submission of details to discharge Condition numbers 3 (Dividing Wall Elevations/Joinery Details) and 4 (New Fire Surround Details) in respect of Decision Notice PA26/02683 dated 23/06/26
Pending
PA26/07078
Proposed replacement dwelling on land at Hoe Cottage following demolition of dwellings and outbuildings, with formation of improved access, proposed landscaping, associated works and a change of use of land to residential with variation of condition 2 of decision PA23/07654 dated 27/11/2023 Condition Number(s): Condition 2 - The development hereby permitted shall be carried out in accordance with the plans listed below under the heading "Plans Referred to in Consideration of this Application".
Pending
PA26/07441
Replacement Windows & Doors and Balustrade to Patio
Pending

View Planning Timeline

Ownership

Corporate Ownership71%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density-

Owner Occupied70%

Age Distribution

0-15 10%16-64 54%65+ 36%

View Area Profile

Schools Nearby

Fowey Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Fowey River Academy
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Polruan Primary Academy
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Tywardreath School
3.2 mi
Good

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

View All Schools

Comparables

View All

Quarterdeck, 11A Bull Hill
-
£440k
-
2 Bull Hill
-
£345k
-
Roof Tops Bull Hill
-
£280k
-
3 Bull Hill
-
£420k
-

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