50, Phillack, Hayle, TR27 5AF

UPRN:10023312426Detached Bungalow3 bedsBuilt 1983-1990

Tenure: -Council Tax: Band EEPC: D (62)

Data freshness:Price Paid· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£507,000

£405k - £608kLow

Estimate

£507k

Range

£405k – £608k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

2.34%

Verdict

Derived from HomePortfolio scores

50 earns an INVESTIGATE rating with HP Score 59/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (36/100). 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

59/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

37/ 100

Elevated

Walkability

36/ 100

Mixed

Transit & Bike

Transit 3Bike 14

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£1,000,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,750-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £345,050
Net cash flow: -£2,025/mo
Cash on cash: -7.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.58 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£507,000

Rent Estimate (pcm)£1,950

Gross Yield2.34%

1y Growth-2.4%

3y Growth-1.7%

5y Growth+0.4%

10y Growth+2.9%

Last Sold Price£850,000 (2020-02-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

11TR27 5AF

Approval Rate

100%12mo

Development

low

PA26/06835
Single-storey rear extension to form a new dining room (approx. 2.592m x 4.1m), with garden regrading, new retaining wall.
Pending
PA26/07284
Submission of details to discharge Condition number 6 (Bees, Birds, Bats) in respect of Decision Notice PA26/05520 dated 14/10/26
Pending
PA26/07068
NOTIFICATION UNDER THE ELECTRONIC COMMUNICATIONS CODE (CONDITIONS AND RESTRICTIONS) REGULATIONS 2003 (AS AMENDED) TO UTILISE PERMITTED DEVELOPMENT RIGHTS
Rejected

View Planning Timeline

Ownership

Corporate Ownership72.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2020-02-20
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

4 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density-

Owner Occupied65%

Age Distribution

0-15 17%16-64 59%65+ 24%

View Area Profile

Schools Nearby

Bodriggy Academy
1.1 mi
Good
Penpol School
1.1 mi
Inspected as Penpol School (URN 111849) on 29 Apr 2025
Hayle Academy
1.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
The Cornwall Independent School
1.4 mi
Inspected by ISI

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

View All Schools

Comparables

View All

18 Riviere Towans
-
£1.15M
-
Vardo Riviere Towans
-
£173k
-
Home View Riviere Towans
-
£230k
-
Sea Haze Riviere Towans
-
£200k
-

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