Hessenford Chapel, Hessenford, Torpoint, PL11 3HL

UPRN:10003072898Semi-Detached House3 bedsBuilt 1991-1995

Shared ownershipCouncil Tax: Band EEPC: E (43)

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

Hessenford Chapel, Hessenford, Torpoint, PL11 3HL

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£270,000

£216k - £324kLow

Estimate

£270k

Range

£216k – £324k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

3.20%

Verdict

Derived from HomePortfolio scores

Hessenford Chapel earns an INVESTIGATE rating with HP Score 55/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (10/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is shared ownership. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

55/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

10/ 100

Low

Transit & Bike

Transit 8Bike 21

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 3.2%; range width penalty ×0.87
- valuation_snapshotsrent estimate 1200/mo (range 1100-1300)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,146/mo, -96% 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 30 Oct 2026
Risk & liquidity9.2/15
102 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£450,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£688/mo
Cash on cash: -5.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.79 - 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 1200/mo (range 1100-1300)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 1200/mo (range 1100-1300)

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£270,000

Rent Estimate (pcm)£1,200

Gross Yield3.20%

1y Growth-

3y Growth-1.1%

5y Growth-0.2%

10y Growth+3.5%

Last Sold Price£16,250 (1996-10-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1PL11 3HL

Approval Rate

0%12mo

Development

low

PA26/07107
Submission of details to discharge Condition 2 (Fencing details) in respect of Decision Notice PA26/01639 dated 07/08/2026
Pending
PA26/05321
Proposed single storey extension
Rejected
PA26/04934
Proposed single storey rear extension
Pending

View Planning Timeline

Ownership

Corporate Ownership69.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeShared ownership
Last Ownership Change1996-10-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density72 /km²

Owner Occupied78%

Age Distribution

0-15 12%16-64 56%65+ 32%

View Area Profile

Schools Nearby

Trenode CofE VA Primary Academy
1.7 mi
Good
St Nicolas' CofE VA School, Downderry
2.3 mi
GoodImproving
St Germans Primary School
3.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Looe Community Academy
3.4 mi
Report card2026
Ofsted no longer awards a single overall grade.

1 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Bungalow
-
£172k
-
The Old Mill
-
£480k
-
West End
-
£215k
-
West End
-
£183k
-

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