First Floor Flat, 26 Ermington Terrace, Plymouth, PL4 6QG

UPRN:100040437580Flat/MaisonetteBeds -Built before 1900

Tenure: -Council Tax: Band AEPC: E (49)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

First Floor Flat, 26 Ermington Terrace, Plymouth, PL4 6QG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£127,000

£114k - £139kMedium

Estimate

£127k

Range

£114k – £139k

Rent Estimate (pcm)

£450

£400 - £500

Monthly

£450

Yield

4.91%

Verdict

Derived from HomePortfolio scores

First Floor Flat earns an INVESTIGATE rating with HP Score 63/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (89/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket 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

63/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

88/ 100

Elevated

Walkability

89/ 100

Excellent

Transit & Bike

Transit 49Bike 58

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£110,000

At the asking price

Monthly rent£450/mo

Evidenced range £400-£500

Interest rate5.4%

Loan to value75%

Cash required: £34,300
Net cash flow: -£60/mo
Cash on cash: -2.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.21 - 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£127,000

Rent Estimate (pcm)£450

Gross Yield4.91%

1y Growth-

3y Growth+2.7%

5y Growth+2.2%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

1PL4 6QG

Approval Rate

-12mo

Development

low

26/01517/MOR
Pre-application for proposed LED Display, operating method and illumination controls
Pending
26/01513/TCO
Silver birch- Fell
Pending
26/01498/CDM
Condition Discharge: Condition 3 (Cycle Provision) of application 26/00948/FUL
Conditions

View Planning Timeline

Ownership

Corporate Ownership68.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,992

Population Density7,808 /km²

Owner Occupied23%

Age Distribution

0-15 8%16-64 85%65+ 7%

View Area Profile

Schools Nearby

Plymouth High School for Girls
0.2 mi
Good
Plymouth College
0.2 mi
Inspected by ISI
Hyde Park Infants' School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hyde Park Junior School
0.3 mi
Good

0 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

23 Ermington Terrace
-
£212k
-
26 Ermington Terrace
-
£354k
-
18 Ermington Terrace
-
£409k
-
13 Ermington Terrace
-
£119k
-

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