3 Penwinnick Cottages, Penwinnick Road, St. Agnes, TR5 0PA

UPRN:100040038331Semi-Detached House4 bedsBuilt 2012 onwards

FreeholdCouncil Tax: Band BEPC: D (55)

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

3 Penwinnick Cottages, Penwinnick Road, St. Agnes, TR5 0PA

HP Score

/ 100

Mixed

Verdict

6 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£402,000

£361k - £442kMedium

Estimate

£402k

Range

£361k – £442k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

7.38%

Verdict

Derived from HomePortfolio scores

3 Penwinnick Cottages earns an INVESTIGATE rating with HP Score 74/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (45/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

45/ 100

Mixed

Transit & Bike

Transit 8Bike 41

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£195,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,050-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £61,200
Net cash flow: £173/mo
Cash on cash: 3.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.82 - 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£402,000

Rent Estimate (pcm)£1,200

Gross Yield7.38%

1y Growth-

3y Growth+1.4%

5y Growth+2.7%

10y Growth+4.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2TR5 0PA

Approval Rate

50%12mo

Development

low

PA26/06701
Works to Tree(s) within a Conservation Area (TCA) - (1) Sycamore 30% reduction (2) Elm raise crown
Pending
PA26/07273
Full detailed application for a cross subsidy exception site residential development comprising 39 dwellings (22 affordable), access roads and landscaping with variation of Conditions 2 and 4 of appeal decision notice APP/D0840/W/22/3292433 dated 03/11/2022 (following refusal notice PA20/7522 dated 26/10/2021).
Pending
PA26/01170/PREAPP
Eception Notice to pillard an ash tree
Pending

View Planning Timeline

Ownership

Corporate Ownership74%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
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 Occupied75%

Age Distribution

0-15 21%16-64 55%65+ 24%

View Area Profile

Schools Nearby

St Agnes Academy
0.5 mi
Outstanding
Mithian School
1.4 mi
Good
Mount Hawke Academy
1.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Blackwater Community Primary School
2.5 mi
Good

1 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Dales Yard Penwinnick Road
-
£500k
-
Green Lawns Penwinnick Road
-
£367k
-
Penwinnick Cottages Penwinnick Road
-
£320k
-
1 Penwinnick Cottages Penwinnick Road
-
£325k
-

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