7 Southdown Cottages, Southdown Quay, Millbrook, Torpoint, PL10 1HB

UPRN:10014478150Semi-Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band BEPC: F (31)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 2mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

7 Southdown Cottages, Southdown Quay, Millbrook, Torpoint, PL10 1HB

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£289,000

£260k - £318kMedium

Estimate

£289k

Range

£260k – £318k

Rent Estimate (pcm)

£800

£700 - £900

Monthly

£800

Yield

1.38%

Verdict

Derived from HomePortfolio scores

7 Southdown Cottages earns an INVESTIGATE rating with HP Score 60/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (7/100). 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 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

7/ 100

Low

Transit & Bike

Transit 2Bike 18

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 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 -140.5% (MEDIUM), sold-comps -208.9%, £/sqft -209.5%] → 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 9 Nov 2026
- valuation_snapshotsestimate for 10014478150· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.6%· as of 31 Oct 2026
Rental economics0/40
gross yield 1.4%; range width penalty ×0.70
- valuation_snapshotsrent estimate 800/mo (range 700-900)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,474/mo, -309% 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 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 58 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 12 Nov 2026
Risk & liquidity12.8/15
39 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

£521,000£799,000

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£695,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£900

Interest rate5.4%

Loan to value75%

Cash required: £234,550
Net cash flow: -£1,792/mo
Cash on cash: -9.2%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.34 - 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 10014478150Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 23.6%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 800/mo (range 700-900)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 800/mo (range 700-900)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 58 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£289,000

Rent Estimate (pcm)£800

Gross Yield1.38%

1y Growth-

3y Growth+6.2%

5y Growth+4.6%

10y Growth+4.0%

Last Sold Price£190,000 (2011-07-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0PL10 1HB

Approval Rate

-12mo

Development

low

PA26/05204
Single storey extension with associated landscaping works, including approval for ASHP.
Pending
PA26/05205
Listed Building Consent for Single storey extension with associated landscaping works, including retrospective approval for ASHP.
Pending
PA26/03976
Listed Building Consent to re-roof part of existing roof
Conditions

View Planning Timeline

Ownership

Corporate Ownership60.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2011-07-22
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density-

Owner Occupied67%

Age Distribution

0-15 16%16-64 54%65+ 30%

View Area Profile

Schools Nearby

Millbrook CofE Primary School
0.9 mi
Inspected as Millbrook CofE VA Primary School (URN 112027) on 19 Jun 2013
Fourlanesend Community Primary School
1.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Mount Wise Community Primary School
1.3 mi
Good
Marlborough Primary Academy
1.5 mi
Good

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

View All Schools

Comparables

View All

6 Southdown Cottages
-
£780k
-
The Old Cooperage
-
£500k
-
7 Southdown Cottages
-
£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