Houseboat Little Ark, Embankment Road, Bembridge, PO35 5NS

UPRN:10023714231Detached Property2 bedsBuilt -

LeaseholdCouncil Tax: Band AEPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Houseboat Little Ark, Embankment Road, Bembridge, PO35 5NS

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

£403,000

£322k - £483kLow

Estimate

£403k

Range

£322k – £483k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

2.86%

Verdict

Derived from HomePortfolio scores

Houseboat Little Ark earns an INVESTIGATE rating with HP Score 69/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (36/100). 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 SourcesPortal 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

69/ 100

Mixed

Investment Score

58/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

36/ 100

Mixed

Transit & Bike

Transit 6Bike 47

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 2.9%; range width penalty ×0.72
- valuation_snapshotsrent estimate 1250/mo (range 1100-1400)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,426/mo, -114% 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 4 Nov 2026
Risk & liquidity9.2/15
50 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£525,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,100-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: -£906/mo
Cash on cash: -6.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - 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 1250/mo (range 1100-1400)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1250/mo (range 1100-1400)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£403,000

Rent Estimate (pcm)£1,250

Gross Yield2.86%

1y Growth-

3y Growth-11.1%

5y Growth-2.9%

10y Growth+2.6%

Last Sold Price£245,000 (2021-10-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

2PO35 5NS

Approval Rate

50%12mo

Development

low

26/01469/TW
Yew tree - Remove Reason: tree is leaning to one side
Pending
26/01321/TW
1; 3m stump - Remove as its rotting away. 2; Large sycamore tree - Remove lower limb facing east. Reason: Dropping debris on neighbour's outside area. 3; Yew trees x2 - Reduce to 2m high. Reason: They are currently trying to grow through a more dominant plane tree. 4; Plane tree - Remove low limb facing NW. Reason: Suffering fungal decay. 5; Leylandi trees x4 - Remove. Reason: Trying to grow through holm oak tree. 6; Holm oak - Remove lower 2 limbs facing SW. Reason: Suffering decay & could be dangerous. 7; Holm oak - Remove. Reason: Only growing to one side due to overcrowding.
Pending
26/01317/TW
T1; Ash. Reduce overall by approximately 30% to good growth points. Reason: Tree has outgrown is enclosed domestic location.
Pending

View Planning Timeline