Flat 10, Convent of Mercy, St Marys Road, Bodmin, PL31 1RJ

UPRN:10003287910Flat/Maisonette1 bedsBuilt 2007-2011

LeaseholdCouncil Tax: Band AEPC: B (81)

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

Flat 10, Convent of Mercy, St Marys Road, Bodmin, PL31 1RJ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£160,000

£152k - £168kHigh

Estimate

£160k

Range

£152k – £168k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

12.00%

Verdict

Derived from HomePortfolio scores

Flat 10 earns an INVESTIGATE rating with HP Score 68/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (75/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

68/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

46/ 100

Elevated

Walkability

75/ 100

High

Transit & Bike

Transit 45Bike 50

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 Nov 2026

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

Check before relying on this score: the estimate sits 44% above the ask; lead to verify: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +43.8% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10003287910· as of 13 Oct 2026
Rental economics39.1/40
gross yield 12.0%; range width penalty ×0.98; the estimate this rent rides on sits 44% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 900/mo (range 850-950)· as of 13 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 44% above the ask on the same snapshot - verify the rent describes this home· as of 13 Oct 2026· verify before relying on this
Stress margin16.9/30
stressed cash flow +152/mo, +17% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 2 price cut(s), 70 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 5 Nov 2026
Risk & liquidity14.6/15
169 sales/12mo in area; valuation range width 10%
- 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 sensitivityScores 70+ up to £92,000

£81,000£103,500

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£90,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £28,300
Net cash flow: £319/mo
Cash on cash: 13.5%
Score at this price: 71

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.96 - clears 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 10003287910Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-950)Rental economics · as of 13 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 44% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_date

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 900/mo (range 850-950)
Rental economics needs verification before you rely on it
sale estimate 44% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £92,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.

Valuation & Market

Sale Estimate£160,000

Rent Estimate (pcm)£900

Gross Yield12.00%

1y Growth+49.5%

3y Growth+0.6%

5y Growth+2.0%

10y Growth+3.8%

Last Sold Price£105,000 (2024-04-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningModerate
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PL31 1RJ

Approval Rate

-12mo

Development

low

PA26/07248
Submission of details to discharge Condition number 6 (Link Building) in respect of Decision Notice PA26/02014 dated 14/08/26
Pending
PA26/07132
Submission of details to discharge Condition numbers 7 (Biodiversity Net Gain) and 8 (Habitat Management and Monitoring) in respect of Decision Notice PA26/03046 dated 07/07/26
Pending
PA26/06949
Works to Trees covered by a Tree Preservation Order (TPO) - Works to Trees overed by a TPO - T1 and T2 - Beech - All branches that are overhanging into our property to be cut back by approx 1.5-2m.
Pending

View Planning Timeline

Ownership

Corporate Ownership60.1%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2024-04-19
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 Density3,878 /km²

Owner Occupied28%

Age Distribution

0-15 25%16-64 61%65+ 14%

View Area Profile

Schools Nearby

St Mary's Catholic Primary School, Bodmin
0.2 mi
Inspected as St Mary's Catholic Primary School, Bodmin (URN 112020) on 13 Jul 2010
North Cornwall Alternative Provision Academy
0.3 mi
Good
Berrycoombe School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Beacon Academy
0.5 mi
Inspected as Robartes Junior School (URN 111922) on 4 Mar 2014

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

View All Schools

Comparables

View All

Convent Of Mercy St Marys Road
-
£178k
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Convent Of Mercy St Marys Road
-
£105k
-
Convent Of Mercy St Marys Road
-
£170k
-
Convent Of Mercy St Marys Road
-
£150k
-

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