10 Stones Close, Cowes, PO31 7AH

UPRN:10003325035Mid Terrace House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band CEPC: C (74)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· freshRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£262,000

£249k - £275kHigh

Estimate

£262k

Range

£249k – £275k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

5.50%

Verdict

Derived from HomePortfolio scores

10 Stones Close earns an INVESTIGATE rating with HP Score 81/100. Investment score 71/100 reflects strong fundamentals. Crime intensity is very low. Walkability is good (79/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

71/ 100

High

Crime Score

14/ 100

Low

Walkability

79/ 100

High

Transit & Bike

Transit 22Bike 52

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£240,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,000-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £75,600
Net cash flow: -£48/mo
Cash on cash: -0.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.36 - 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£262,000

Rent Estimate (pcm)£1,100

Gross Yield5.50%

1y Growth-

3y Growth-0.2%

5y Growth+1.9%

10y Growth+3.3%

Last Sold Price£162,500 (2010-04-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PO31 7AH

Approval Rate

-12mo

Development

low

26/01472/TW
T1; Sycamore - encroaching over and becoming dominant towards the neighboring property garden to the south west. Remove the first 3 limbs to the south over the garden and balance the shape of the tree. T2; Sycamore - encroaching over and becoming dominant towards the neighboring property garden to the south west. Remove the first limb and the first secondary limb from the limb above it to the south over the garden and balance the shape of the tree. T3; Sycamore - encroaching over and becoming dominant towards the neighboring property garden to the south west. Remove the first 2 limbs to the south over the garden and balance the shape of the tree and give more space to the pine tree underneath. Reason: Works are sound amenity management.
Pending
26/01450/FUL
Proposed installation of 84 roof mounted solar panels on the west, east and south wings
Pending
26/01437/FUL
Repositioning of external staircase to first floor apartment from the south west elevation to the north east elevation; provision of security gate to new staircase; alterations to fenestration to north east elevation
Pending

View Planning Timeline

Ownership

Corporate Ownership60.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2010-04-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,740

Population Density6,883 /km²

Owner Occupied65%

Age Distribution

0-15 16%16-64 67%65+ 17%

View Area Profile

Schools Nearby

Cowes Enterprise College, An Ormiston Academy
0.3 mi
Good
Lanesend Primary School
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Gurnard Primary School
0.7 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Holy Cross Catholic Primary School
1.1 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

1 Stones Close
-
£260k
-
1 Stones Close
-
£235k
-
10 Stones Close
-
£163k
-
11 Stones Close
-
£165k
-

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