Flat 3, Yarborough Court, Belgrave Road, Ventnor, PO38 1JH

UPRN:100062045167Flat/Maisonette2 bedsBuilt 1983-1990

LeaseholdCouncil Tax: Band CEPC: C (80)

Data freshness:Price Paid· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

Flat 3, Yarborough Court, Belgrave Road, Ventnor, PO38 1JH

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£198,000

£179k - £218kMedium

Estimate

£198k

Range

£179k – £218k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

5.62%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 77/100. Investment score 68/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (68/100). 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 NationsMarket 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

77/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

68/ 100

Moderate

Transit & Bike

Transit 25Bike 60

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 28 Oct 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 edge-0.6/15
claims [AVM -18.7% (MEDIUM)] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 100062045167· as of 13 Oct 2026
Rental economics4.9/40
gross yield 5.6%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1100/mo (range 1050-1150)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -313/mo, -28% 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 28 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 62 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 28 Oct 2026
Risk & liquidity12.9/15
148 sales/12mo in area; valuation range width 20%
- 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

£176,000£270,000

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£235,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,150

Interest rate5.4%

Loan to value75%

Cash required: £74,000
Net cash flow: -£32/mo
Cash on cash: -0.5%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - 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 100062045167Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1100/mo (range 1050-1150)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 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 1100/mo (range 1050-1150)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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.
1 price cut(s) recorded on the listing history.
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£198,000

Rent Estimate (pcm)£1,100

Gross Yield5.62%

1y Growth+14.6%

3y Growth-4.8%

5y Growth-2.1%

10y Growth+2.0%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2PO38 1JH

Approval Rate

50%12mo

Development

low

26/01507/TW
T1; Bay - Remove to ground level to regenerate as coppice. Reason: Tree has outgrown its location and is festooned with ivy and vines. T2; Holly - Remove to ground level to regenerate as coppice. Reason: Tree has outgrown its location and is festooned with ivy and vines. T3; Cypress - Remove at ground level. Reason: Tree has outgrown its location.
Pending
26/01480/TW
4 Conifer trees; Fell Reason: to allow parking
Pending
26/01452/HOU
Proposed single storey extension
Pending

View Planning Timeline

Ownership

Corporate Ownership65.4%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,740

Population Density-

Owner Occupied77%

Age Distribution

0-15 9%16-64 45%65+ 46%

View Area Profile

Schools Nearby

St Catherine's School and College
0.1 mi
Good
The Island Free School
0.5 mi
Good
St Francis Catholic and Church of England Primary Academy
0.6 mi
Good
Wroxall Primary School
1.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

Yarborough Court Belgrave Road
-
£235k
-
Belgrave Court Belgrave Road
-
£270k
-
Belgrave Court Belgrave Road
-
£355k
-
Lindum Belgrave Road
-
£725k
-

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