159 Gurnard Pines, Cockleton Lane, Cowes, PO31 8RW

UPRN:100062425388Semi-Detached BungalowBeds -Built 1976-1982

LeaseholdCouncil Tax: -EPC: D (66)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

159 Gurnard Pines, Cockleton Lane, Cowes, PO31 8RW

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£70,000

£56k - £84kLow

Estimate

£70k

Range

£56k – £84k

Rent Estimate (pcm)

£300

£250 - £350

Monthly

£300

Yield

6.01%

Verdict

Derived from HomePortfolio scores

159 Gurnard Pines earns an INVESTIGATE rating with HP Score 62/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (6/100). 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)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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

62/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

6/ 100

Low

Transit & Bike

Transit 2Bike 28

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 3 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 [sold-comps -7.1%, £/sqft -8.0%] → 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; AVM excluded (estimate confidence LOW below scoring floor)
estimate confidence LOW below scoring floor · snapshot 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 13.4%· as of 26 Sept 2026
Rental economics4.3/40
gross yield 6.0%; range width penalty ×0.53
- valuation_snapshotsrent estimate 300/mo (range 250-350)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -377/mo, -126% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- listing_factsservice charge / ground rent from the advert· as of 3 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 65 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 3 Nov 2026
Risk & liquidity0/15
lease 72 years (under 80): most lenders refuse it - risk scores nothing; 183 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo
- listing_factslease 72 years remaining (advert)· as of 3 Nov 2026

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

£45,000£69,000

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£59,950

At the asking price

Monthly rent£300/mo

Evidenced range £250-£350

Interest rate5.4%

Loan to value75%

Cash required: £19,286
Net cash flow: £5/mo
Cash on cash: 0.3%
Score at this price: 4

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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

property_comparablessold-evidence family (implied value + £/sqft): 7 comps, dispersion 13.4%Valuation edge · as of 26 Sept 2026
valuation_snapshotsrent estimate 300/mo (range 250-350)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 3 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

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 300/mo (range 250-350)
Stress margin needs verification before you rely on it
service charge / ground rent from 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. 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£70,000

Rent Estimate (pcm)£300

Gross Yield6.01%

1y Growth-

3y Growth-0.2%

5y Growth+1.9%

10y Growth+3.3%

Last Sold Price£50,000 (2022-03-16)

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 8RW

Approval Rate

-12mo

Development

low

26/01534/TW
TG1; Oak - Prune back limbs to the woodland boundary marked by the green line. Reason: Trees are encroaching on the property to the north. TG2; 3x Ash saplings - Remove. Reason: Heading north and unsuitable for long-term retention. These 3 trees are on the woodland boundary of 28 The Walnut Tree, Cockleton Lane, Gurnard. Western end of the green line.
Pending
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

View Planning Timeline

Ownership

Corporate Ownership60.4%
Overseas OwnershipNo
Lease Term Remaining71 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-03-16
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.
Northwood Primary School
1.0 mi
GoodConcerns
Lanesend Primary School
1.0 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
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.

View All Schools

Comparables

View All

164 Gurnard Pines
-
£52k
-
159 Gurnard Pines
-
£50k
-
164 Gurnard Pines
-
£40k
-
154 Gurnard Pines
-
£11k
-

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