2 Percy Mews, Padstow, PL28 8FJ

UPRN:10014484526Mid Terrace HouseBeds -Built -

Tenure: -Council Tax: Band BEPC: B (81)

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£230,000

£184k - £277kLow

Estimate

£230k

Range

£184k – £277k

Rent Estimate (pcm)

£800

£750 - £900

Monthly

£800

Yield

1.92%

Verdict

Derived from HomePortfolio scores

2 Percy Mews earns an INVESTIGATE rating with HP Score 74/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (49/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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.ukPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

49/ 100

Mixed

Transit & Bike

Transit 8Bike 40

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 1.9%; range width penalty ×0.82
- valuation_snapshotsrent estimate 800/mo (range 750-900)· as of 10 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,651/mo, -206% 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 11 Nov 2026
Risk & liquidity9.2/15
46 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£499,995

At the asking price

Monthly rent£800/mo

Evidenced range £750-£900

Interest rate5.4%

Loan to value75%

Cash required: £166,299
Net cash flow: -£1,134/mo
Cash on cash: -8.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.47 - 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_snapshotsrent estimate 800/mo (range 750-900)Rental economics · as of 10 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 750-900)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
4. 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£230,000

Rent Estimate (pcm)£800

Gross Yield1.92%

1y Growth-

3y Growth-12.2%

5y Growth+1.4%

10y Growth+4.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PL28 8FJ

Approval Rate

-12mo

Development

low

PA26/07836
Submission of details to discharge Condition number 3 (Archaeology) in respect of Decision Notice PA25/03664 dated 16/07/25
Pending
PA26/01206/PREAPP
Exception Notice for work to a beech
Pending
PA26/07367
Change of use of land from agriculture to siting of 20no. holiday lodges (static caravans) and associated infrastructure (including internal roads, parking and bases)
Pending

View Planning Timeline