Lower Penhale Farm, Torpoint, PL11 3AU

UPRN:10003910299Detached House6 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: E (50)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£969,000

£921k - £1.02MHigh

Estimate

£969k

Range

£921k – £1.02M

Rent Estimate (pcm)

£3,400

£3k - £4k

Monthly

£3,400

Yield

4.08%

Verdict

Derived from HomePortfolio scores

Lower Penhale Farm earns an INVESTIGATE rating with HP Score 61/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (7/100). 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

61/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

16/ 100

Moderate

Walkability

7/ 100

Low

Transit & Bike

Transit 25Bike 31

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

advert has 4 bedrooms but the valuation snapshot describes 6 - the UPRN's evidence is for a different home

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£1,000,000

At the asking price

Monthly rent£3,400/mo

Evidenced range £3,000-£3,750

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£1,021/mo
Cash on cash: -3.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.01 - below 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£969,000

Rent Estimate (pcm)£3,400

Gross Yield4.08%

1y Growth-

3y Growth-1.1%

5y Growth-0.2%

10y Growth+3.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0PL11 3AU

Approval Rate

-12mo

Development

low

PA26/07539
Works to tree in a Conservation Area; 1 x Cypress
Pending
PA26/06038
Works to Tree within a Conservation Area (TCA) - 0070 - Oak - Reduce the tree by 3m
Approved
PA26/05621
Outline application for the erection of dormer bungalow. Installation of septic tank and alteration of existing vehicular access with removal of condition 7 of decision notice 5/88/00051/O dated 1.11.1988
Approved

View Planning Timeline

Ownership

Corporate Ownership70.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

24 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density-

Owner Occupied67%

Age Distribution

0-15 16%16-64 54%65+ 30%

View Area Profile

Schools Nearby

Millbrook CofE Primary School
0.8 mi
Inspected as Millbrook CofE VA Primary School (URN 112027) on 19 Jun 2013
Antony Church of England School
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Fourlanesend Community Primary School
1.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Torpoint Community College
1.6 mi
Good

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

View All Schools

Comparables

View All

Lower Penhale Barn
-
£385k
-
Captains Paddock
-
£320k
-
Lower Penhale Barn
-
£375k
-
The Barn Cottage
-
£185k
-

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