Teal Cottage, 5A Marsh Cottages, Instow, Bideford, EX39 4HU

UPRN:10012112147End Terrace HouseBeds -Built 1900-1929

FreeholdCouncil Tax: -EPC: D (60)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Teal Cottage, 5A Marsh Cottages, Instow, Bideford, EX39 4HU

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£220,000

£198k - £242kMedium

Estimate

£220k

Range

£198k – £242k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

2.96%

Verdict

Derived from HomePortfolio scores

Teal Cottage earns an INVESTIGATE rating with HP Score 72/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (38/100). 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

72/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

38/ 100

Mixed

Transit & Bike

Transit 9Bike 41

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 2 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -65.9% (MEDIUM), sold-comps -73.8%, £/sqft -73.9%] → 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 12 Oct 2026
- valuation_snapshotsestimate for 10012112147· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 22.4%· as of 30 Oct 2026
Rental economics0/40
gross yield 3.0%; range width penalty ×0.98
- valuation_snapshotsrent estimate 900/mo (range 850-950)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,008/mo, -112% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 36 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 2 Nov 2026
Risk & liquidity12.8/15
428 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

£274,000£419,500

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£365,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £119,050
Net cash flow: -£609/mo
Cash on cash: -6.1%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.73 - below 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 10012112147Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 22.4%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-950)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 900/mo (range 850-950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 36 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£220,000

Rent Estimate (pcm)£900

Gross Yield2.96%

1y Growth-

3y Growth-4.7%

5y Growth+0.4%

10y Growth+2.7%

Last Sold Price£149,000 (2015-11-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0EX39 4HU

Approval Rate

-12mo

Development

low

82412
Notification of works to trees in a conservation area in respect of removal of 1x willow tree
Pending
82349
Notification of works to trees in a conservation area in respect of light reduction and dead wood removal of 1x cabbage palm
Pending
82248
Prior approval for installation of 8 no. solar photovoltaic (PV) panels on the existing flat roof
Pending

View Planning Timeline

Ownership

Corporate Ownership61.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-11-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,386

Population Density-

Owner Occupied72%

Age Distribution

0-15 11%16-64 54%65+ 35%

View Area Profile

Schools Nearby

Instow Community Primary and Pre-School
0.8 mi
Good
Appledore School
0.8 mi
Good
St George's CofE Infant and Nursery School
1.7 mi
Report card2025
Ofsted no longer awards a single overall grade.
St Margaret's Church of England Junior School
1.7 mi
Inspected as St Margaret's Church of England (Aided) Junior School (URN 113453) on 10 Mar 2020

2 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Sundowners Cottage, 2 Marsh Cottages
-
£225k
-
4 Marsh Cottages
-
£202k
-
2 Marsh Cottages
-
£152k
-
Teal Cottage
-
£149k
-

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