23 Passage Street, Fowey, PL23 1DE

UPRN:100040122597Terrace Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (63)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 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

20 of 21 sources

Sale Estimate

£664,000

£631k - £698kHigh

Estimate

£664k

Range

£631k – £698k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

3.76%

Verdict

Derived from HomePortfolio scores

23 Passage Street earns an INVESTIGATE rating with HP Score 71/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (50/100). 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

71/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

12/ 100

Low

Walkability

50/ 100

Moderate

Transit & Bike

Transit 15Bike 27

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 13 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -0.9% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100040122597· as of 9 Nov 2026
Rental economics0/40
gross yield 3.8%; range width penalty ×0.72
- valuation_snapshotsrent estimate 2100/mo (range 1850-2350)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,413/mo, -67% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 13 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 277 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 13 Nov 2026
Risk & liquidity14.6/15
52 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£502,500£770,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£670,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,850-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £225,800
Net cash flow: -£807/mo
Cash on cash: -4.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.93 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 100040122597Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 2100/mo (range 1850-2350)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 13 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 13 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 2100/mo (range 1850-2350)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 277 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. 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£664,000

Rent Estimate (pcm)£2,100

Gross Yield3.76%

1y Growth-

3y Growth+2.4%

5y Growth+2.3%

10y Growth+5.8%

Last Sold Price£430,000 (2022-09-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

1PL23 1DE

Approval Rate

-12mo

Development

low

PA26/07719
Submission of details to discharge Condition numbers 3 (Dividing Wall Elevations/Joinery Details) and 4 (New Fire Surround Details) in respect of Decision Notice PA26/02683 dated 23/06/26
Pending
PA26/07441
Replacement Windows & Doors and Balustrade to Patio
Pending
PA26/06899
Submission of details to discharge Conditions 3, 4 and 5 in respect of Decision Notice PA26/02963 dated 14.07.2026
Conditions

View Planning Timeline

Ownership

Corporate Ownership71%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2022-09-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density-

Owner Occupied70%

Age Distribution

0-15 10%16-64 54%65+ 36%

View Area Profile

Schools Nearby

Fowey Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Fowey River Academy
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Polruan Primary Academy
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Lerryn CofE Primary School
3.2 mi
Good

0 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

33 Passage Street
-
£595k
-
14 Passage Street
-
£650k
-
21 Passage Street
-
£545k
-
45 Passage Street
-
£427k
-

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