Flat 14, Number One, The Parade, Cowes, PO31 7QJ

UPRN:10013856027Flat/Maisonette2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: Band FEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 14, Number One, The Parade, Cowes, PO31 7QJ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£492,000

£468k - £517kHigh

Estimate

£492k

Range

£468k – £517k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

4.73%

Verdict

Derived from HomePortfolio scores

Flat 14 earns an INVESTIGATE rating with HP Score 74/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (81/100). 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

74/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

39/ 100

Elevated

Walkability

81/ 100

High

Transit & Bike

Transit 9Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 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 -0.6% (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 9 Nov 2026
- valuation_snapshotsestimate for 10013856027· as of 9 Nov 2026
Rental economics0/40
gross yield 4.7%; range width penalty ×0.84
- valuation_snapshotsrent estimate 1950/mo (range 1800-2150)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,258/mo, -64% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 370 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 & 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

£371,000£569,000

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£495,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,800-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £164,550
Net cash flow: -£321/mo
Cash on cash: -2.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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 10013856027Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1950/mo (range 1800-2150)Rental economics · as of 9 Nov 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 1950/mo (range 1800-2150)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 370 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£492,000

Rent Estimate (pcm)£1,950

Gross Yield4.73%

1y Growth-

3y Growth-0.2%

5y Growth+1.9%

10y Growth+3.3%

Last Sold Price£475,000 (2017-07-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PO31 7QJ

Approval Rate

-12mo

Development

low

26/01527/LBC
Listed Building Consent for retention of replacement timber sash windows to include concealment of plastic spiral balance components with painted timber fillets, removal of sash horns from dormer windows, repair and repainting of timberwork
Pending
26/01450/FUL
Proposed installation of 84 roof mounted solar panels on the west, east and south wings
Pending
26/01437/FUL
Repositioning of external staircase to first floor apartment from the south west elevation to the north east elevation; provision of security gate to new staircase; alterations to fenestration to north east elevation
Pending

View Planning Timeline

Ownership

Corporate Ownership60.4%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2017-07-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,740

Population Density-

Owner Occupied62%

Age Distribution

0-15 11%16-64 53%65+ 36%

View Area Profile

Schools Nearby

Cowes Enterprise College, An Ormiston Academy
0.3 mi
Good
Gurnard Primary School
0.8 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.
Holy Cross Catholic Primary School
1.0 mi
Report card2026
Ofsted no longer awards a single overall grade.

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

View All Schools

Comparables

View All

Number One The Parade
-
£535k
-
Slipway Cottage The Parade
-
£695k
-
Marine Court The Parade
-
£415k
-
Number One The Parade
-
£190k
-

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