Apartment 9, Church House, 16A St James Road, Torpoint, PL11 2BH

UPRN:10003918698Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band BEPC: C (77)

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

Apartment 9, Church House, 16A St James Road, Torpoint, PL11 2BH

HP Score

/ 100

Strong

Verdict

7 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£164,000

£156k - £173kHigh

Estimate

£164k

Range

£156k – £173k

Rent Estimate (pcm)

£750

£650 - £800

Monthly

£750

Yield

5.45%

Verdict

Derived from HomePortfolio scores

Apartment 9 earns an INVESTIGATE rating with HP Score 81/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

69/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

75/ 100

High

Transit & Bike

Transit 13Bike 50

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£165,000

At the asking price

Monthly rent£750/mo

Evidenced range £650-£800

Interest rate5.4%

Loan to value75%

Cash required: £51,600
Net cash flow: -£38/mo
Cash on cash: -0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.35 - 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£164,000

Rent Estimate (pcm)£750

Gross Yield5.45%

1y Growth-

3y Growth-1.1%

5y Growth-0.2%

10y Growth+3.5%

Last Sold Price£134,000 (2017-07-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PL11 2BH

Approval Rate

-12mo

Development

low

PA26/07473
Internal refurbishment, single storey rear extension and loft conversion with dormer windows front and rear.
Pending
PA26/07143
Submission of details to discharge Condition 2 in respect of Decision Notice PA26/04843 dated 14.09.2026
Pending
PA26/07051
Submission of details to discharge Condition 3, bat, bird and bee, in respect of Decision Notice PA26/02936 dated 28.07.2026
Conditions

View Planning Timeline

Ownership

Corporate Ownership69.9%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-07-13
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density-

Owner Occupied77%

Age Distribution

0-15 14%16-64 56%65+ 30%

View Area Profile

Schools Nearby

Torpoint Community College
0.3 mi
Good
Carbeile Junior School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Marlborough Primary Academy
0.8 mi
Good
Morice Town Primary Academy
1.0 mi
Good

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

View All Schools

Comparables

View All

Church House, 16A St James Road
-
£150k
-
Church House, 16A St James Road
-
£160k
-
Church House, 16A St James Road
-
£160k
-
Church House, 16A St James Road
-
£147k
-

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