129 Gurnard Pines, Cockleton Lane, Cowes, PO31 8RJ

UPRN:100062040751Bungalow Property2 bedsBuilt 1967-1975

LeaseholdCouncil Tax: Band AEPC: D (63)

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

129 Gurnard Pines, Cockleton Lane, Cowes, PO31 8RJ

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£40,000

£38k - £42kHigh

Estimate

£40k

Range

£38k – £42k

Rent Estimate (pcm)

£150

£100 - £150

Monthly

£150

Yield

5.14%

Verdict

Derived from HomePortfolio scores

129 Gurnard Pines earns an INVESTIGATE rating with HP Score 64/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (12/100). 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 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

12/ 100

Low

Transit & Bike

Transit 2Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 Nov 2026

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

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +12.5% (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 100062040751· as of 13 Oct 2026
Rental economics0.6/40
gross yield 5.1%; range width penalty ×0.53
- valuation_snapshotsrent estimate 150/mo (range 100-150)· as of 13 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 5 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -167/mo, -112% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 2 price cut(s), 314 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 5 Nov 2026
Risk & liquidity14.6/15
183 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

£26,000£40,000

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£35,000

At the asking price

Monthly rent£150/mo

Evidenced range £100-£150

Interest rate5.4%

Loan to value75%

Cash required: £10,050
Net cash flow: -£14/mo
Cash on cash: -1.7%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.27 - 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 100062040751Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 150/mo (range 100-150)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 5 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026

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 150/mo (range 100-150)
Rental economics needs verification before you rely on it
listing text signals condition works - budget before trusting any yield

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. Ask the agent why the price was reduced and whether a previous sale fell through.
2 price cut(s) recorded on the listing history.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£40,000

Rent Estimate (pcm)£150

Gross Yield5.14%

1y Growth-

3y Growth-0.2%

5y Growth+1.9%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0PO31 8RJ

Approval Rate

-12mo

Development

low

26/01475/FUL
Demolition of existing dwelling; Proposed replacement dwelling and one detached dwelling with associated vehicular access and parking area
Pending
26/01477/HOU
Proposed single storey rear extension; formation of three dormers at first floor level; alterations; proposed porch (revised scheme)
Pending
26/01463/TW
Coastal slope - north of the main garden, Various trees / management to form a future wooded garden. Selectively thin out the wooded slope area to the west of the path way down to the beach, prioritizing on the removal of non native tree species (bay, holm oak etc.) Remove other trees of poor form, such as goat willow, to benefit and give space to trees that can be allowed to mature. If/as needed give the retained trees a first formative prune (starting to make good from the 'topping' re-growth that had previously been carried out). To the east of the path, remove the bay and larger willow suppressing fruit trees.
Pending

View Planning Timeline

Ownership

Corporate Ownership60.4%
Overseas OwnershipNo
Lease Term Remaining71 yrs
CovenantsRestrictive
Lease TypeLeasehold
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£26,740

Population Density511 /km²

Owner Occupied76%

Age Distribution

0-15 16%16-64 55%65+ 29%

View Area Profile

Schools Nearby

Gurnard Primary School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Lanesend Primary School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Northwood Primary School
1.0 mi
GoodConcerns
Cowes Enterprise College, An Ormiston Academy
1.3 mi
Good

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

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Comparables

View All

127 Gurnard Pines
-
£25k
-
124 Gurnard Pines
-
£37k
-
130 Gurnard Pines
-
£50k
-

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