Pelyntor Cottage, Lostwithiel, PL22 0JF

UPRN:10002695290Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band FEPC: F (31)

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£806,000

£725k - £887kMedium

Estimate

£806k

Range

£725k – £887k

Rent Estimate (pcm)

£3,400

£3k - £4k

Monthly

£3,400

Yield

4.56%

Verdict

Derived from HomePortfolio scores

Pelyntor Cottage earns an INVESTIGATE rating with HP Score 57/100. Investment score 51/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (5/100). 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)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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

20/ 100

Moderate

Walkability

5/ 100

Low

Transit & Bike

Transit 3Bike 12

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 13 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-0.6/15
claims [AVM -11.0% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10002695290· as of 9 Nov 2026
Rental economics0/40
gross yield 4.6%; range width penalty ×0.82
- valuation_snapshotsrent estimate 3400/mo (range 3100-3750)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,407/mo, -41% 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
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.8/15
49 sales/12mo in area; valuation range width 20%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£671,000£1,029,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£895,000

At the asking price

Monthly rent£3,400/mo

Evidenced range £3,100-£3,750

Interest rate5.4%

Loan to value75%

Cash required: £304,550
Net cash flow: -£667/mo
Cash on cash: -2.6%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.13 - 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_snapshotsestimate for 10002695290Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3400/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 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
Rental economics needs verification before you rely on it
rent estimate 3400/mo (range 3100-3750)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

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

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. 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)£3,400

Gross Yield4.56%

1y Growth-

3y Growth-6.2%

5y Growth-0.8%

10y Growth+1.9%

Last Sold Price£567,500 (2019-01-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningModerate
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PL22 0JF

Approval Rate

-12mo

Development

low

PA26/07555
Application for one self-build dwelling with variation of Condition 2 of decision notice PA26/01678 dated 27.07.2026
Pending
PA26/06447
Change of use from agriculture to temporary holiday camping for 60 days, in addition to the existing 60 day pop-up camping rule
Pending
PA26/03944
Construction of one 3-bedroomed Affordable dwelling with variation of condition 2 of decision notice PA18/12081 dated 16.05.2025.
Pending

View Planning Timeline

Ownership

Corporate Ownership74.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2019-01-10
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 Density-

Owner Occupied66%

Age Distribution

0-15 17%16-64 58%65+ 25%

View Area Profile

Schools Nearby

Lanlivery Primary Academy
0.4 mi
Inspected as Lanlivery Community Primary School (URN 111915) on 13 Oct 2011
Red Moor School
0.4 mi
Inspected by ISI
Lostwithiel School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Winnow CofE School
1.9 mi
Good

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

View All Schools

Comparables

View All

Pelyntor Cottage
-
£568k
-
Below Tor
-
£185k
-
Below Tor
-
£160k
-
Pelyntor Cottage
-
£285k
-

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