Cliff Top, Upton, Bude, EX23 0LY

UPRN:10003308945Detached House5 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band GEPC: E (49)

Data freshness:Listing· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Location map - no listing photos available

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£1,003,000

£803k - £1.20MLow

Estimate

£1.00M

Range

£803k – £1.20M

Rent Estimate (pcm)

£2,900

£2k - £3k

Monthly

£2,900

Yield

17.49%

Verdict

Derived from HomePortfolio scores

Cliff Top earns an INVESTIGATE rating with HP Score 57/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (2/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

2/ 100

Low

Transit & Bike

Transit 5Bike 22

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£199,000

At the asking price

Monthly rent£2,900/mo

Evidenced range £2,450-£3,300

Interest rate5.4%

Loan to value75%

Cash required: £62,480
Net cash flow: £1,336/mo
Cash on cash: 25.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 4.32 - 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£1,003,000

Rent Estimate (pcm)£2,900

Gross Yield17.49%

1y Growth-

3y Growth-3.3%

5y Growth+1.1%

10y Growth+2.4%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

6EX23 0LY

Approval Rate

100%12mo

Development

low

PA26/06988
Listed Building Consent for Internal works only: remove staircase, replace failed tanking to ground floor walls and floor.
Pending
PA26/06983
Proposed stable and Tack / Storage shed.
Pending
PA26/06872
Demolition of existing building and erection of a dwelling (alternative to change of use of barn to a dwelling under prior approval Class Q - PA24/05907), incorporating residential garden area approved under PA24/08827 - land north west of Rodds Bridge Farm, Bude
Pending

View Planning Timeline

Ownership

Corporate Ownership72.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 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 13%16-64 48%65+ 39%

View Area Profile

Schools Nearby

Budehaven Community School
1.0 mi
GoodConcerns
Bude Primary Academy - Infants
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Bude Primary Academy - Juniors
1.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Marhamchurch CofE Academy
1.6 mi
Requires improvementConcerns

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

View All Schools

Comparables

View All

Whins
-
£320k
-
Upton Garth
-
£200k
-
4 Piran Heights
-
£380k
-
Perrantide
-
£670k
-

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