Flat 10, Lucerne, Lower Warberry Road, Torquay, TQ1 1TN

UPRN:100040548933Purpose Built Flat1 bedsBuilt 1967-1975

LeaseholdCouncil Tax: -EPC: C (69)

Data freshness:Listing· freshOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 10, Lucerne, Lower Warberry Road, Torquay, TQ1 1TN

HP Score

/ 100

Strong

Verdict

5 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£108,000

£102k - £113kHigh

Estimate

£108k

Range

£102k – £113k

Rent Estimate (pcm)

£500

£500 - £550

Monthly

£500

Yield

6.32%

Verdict

Derived from HomePortfolio scores

Flat 10 earns an INVESTIGATE rating with HP Score 75/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is 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

75/ 100

Strong

Investment Score

65/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

75/ 100

High

Transit & Bike

Transit 27Bike 42

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 +12.0% (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 13 Oct 2026
- valuation_snapshotsestimate for 100040548933· as of 13 Oct 2026
Rental economics10.5/40
gross yield 6.3%; range width penalty ×1.00
- valuation_snapshotsrent estimate 500/mo (range 500-550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -365/mo, -73% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 31 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
418 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

£71,000£109,000

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£95,000

At the asking price

Monthly rent£500/mo

Evidenced range £500-£550

Interest rate5.4%

Loan to value75%

Cash required: £29,800
Net cash flow: £26/mo
Cash on cash: 1.0%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - 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 100040548933Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 500/mo (range 500-550)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from 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 500/mo (range 500-550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 31 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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£108,000

Rent Estimate (pcm)£500

Gross Yield6.32%

1y Growth-

3y Growth-0.8%

5y Growth+1.0%

10y Growth+2.7%

Last Sold Price£100,000 (2022-07-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1TQ1 1TN

Approval Rate

100%12mo

Development

low

AT/2026/0300
G1 Sycamore group, within tree belt adjacent to cafe. Running between Red Maple and finished around the Spruce. Sycamores to be re - pollared to approx a finished height of around 6m from ground level. pre pruning dimensions: h. 12m average w. 4-5m post pruning dimensions: h. 6m average w. 4-5m
Pending
AT/2026/0298
5 Day Notice Removal of dead and heavily decayed pollard which has not regrown. Tree is a significant danger to the care home users, visitors and staff.
Approved
P/2026/0676
Variation of Condition relating to application P/2025/0650: Demolition of raised timber deck and construction of single-storey extension to rear with roof terrace over. Construction of external swimming pool and associated landscaping works. Condition: P1 - Approved Plans. Amendments sought: design and layout amendments including removal of connecting stair to ground level and alterations to door openings.
Pending

View Planning Timeline