20 Church Road, Barton, Torquay, TQ2 8PN

UPRN:100040541129Semi-Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (60)

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

20 Church Road, Barton, Torquay, TQ2 8PN

HP Score

/ 100

Strong

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£339,000

£322k - £356kHigh

Estimate

£339k

Range

£322k – £356k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

5.47%

Verdict

Derived from HomePortfolio scores

20 Church Road earns an INVESTIGATE rating with HP Score 78/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (84/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

78/ 100

Strong

Investment Score

58/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 34Bike 38

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 4 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 -0.3% (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 100040541129· as of 9 Nov 2026
Rental economics3.3/40
gross yield 5.5%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1550/mo (range 1450-1700)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -425/mo, -27% 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 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 187 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 4 Nov 2026
Risk & liquidity14.6/15
392 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

£255,000£391,000

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£340,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £110,300
Net cash flow: -£74/mo
Cash on cash: -0.8%
Score at this price: 18

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.

Evidence

Where every number comes from

valuation_snapshotsestimate for 100040541129Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1700)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1550/mo (range 1450-1700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 187 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£339,000

Rent Estimate (pcm)£1,550

Gross Yield5.47%

1y Growth-

3y Growth+0.0%

5y Growth+1.3%

10y Growth+3.1%

Last Sold Price£238,000 (2012-03-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0TQ2 8PN

Approval Rate

-12mo

Development

low

AT/2026/0221
5 Day Notice - Fell - Dead Tilia Europea
Approved
P/2026/0511
Installation of a 10kVA generator on concrete base, with power duct. Wide cable trunking to be installed on concrete base. AMF panel to be installed on new pole. Vertiv PSU cabinet to be retained. Roxtec gland to be installed. Concrete collar to be installed.
Conditions
AT/2026/0173
Leyland cypress T1 - Single stem. Located directly against and partially within the fabric of an old stone boundary wall on the south side of the property. Description of works: Fell the tree to as near ground level as practicable. Remove arisings from site. Stump to be left in situ initially to avoid destabilising the wall; further removal only once wall stability is assessed. Reasons for works: The tree has grown in direct contact with, and is now structurally integrated into, the boundary wall. Progressive radial expansion of the stem and buttress roots is causing displacement of masonry, loss of mortar, and localised distortion of the wall. If retained, continued growth will exacerbate structural damage and increase the likelihood of partial wall failure. The tree?s position immediately adjacent to the building restricts safe long-term management and prevents proportionate pruning options. Due to species characteristics (fast growth, large ultimate size, high sail area), cyclical pruning would not resolve the underlying structural conflict with the wall. Felling is therefore required to prevent further damage to the wall and to maintain the safety of the adjacent property and public access.
Approved

View Planning Timeline