Flat Above, 20 Queen Street, Lostwithiel, PL22 0AD

UPRN:10034632241Flat/Maisonette2 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (56)

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

Flat Above, 20 Queen Street, Lostwithiel, PL22 0AD

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

17 of 21 sources

Sale Estimate

£162,000

£130k - £195kLow

Estimate

£162k

Range

£130k – £195k

Rent Estimate (pcm)

£550

£500 - £600

Monthly

£550

Yield

2.20%

Verdict

Derived from HomePortfolio scores

Flat Above earns an INVESTIGATE rating with HP Score 79/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (84/100). 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 listingsMarket 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

79/ 100

Strong

Investment Score

66/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

84/ 100

High

Transit & Bike

Transit 14Bike 34

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a house but the valuation basis is the whole flat at this UPRN - value evidence is not comparable

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£300,000

At the asking price

Monthly rent£550/mo

Evidenced range £500-£600

Interest rate5.4%

Loan to value75%

Cash required: £96,300
Net cash flow: -£632/mo
Cash on cash: -7.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.54 - 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£162,000

Rent Estimate (pcm)£550

Gross Yield2.20%

1y Growth-

3y Growth-6.2%

5y Growth-0.8%

10y Growth+1.9%

Last Sold Price£22,000 (1996-11-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningModerate
LandslideModerate
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

1PL22 0AD

Approval Rate

100%12mo

Development

low

PA26/01257/PREAPP
Exception notice for removal of Holly tree
Pending
PA26/06232
Listed Building consent and Planning consent for three stainless steel air vent grills serving existing internal mechanical plant and replacement timber slatted housing for existing external mechanical plant
Pending
PA26/06231
consent for three stainless steel air vent grills serving existing internal mechanical plant and replacement timber slatted housing for existing external mechanical plant
Pending

View Planning Timeline

Ownership

Corporate Ownership74.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change1996-11-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density398 /km²

Owner Occupied76%

Age Distribution

0-15 14%16-64 53%65+ 33%

View Area Profile

Schools Nearby

Lostwithiel School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Winnow CofE School
0.9 mi
Good
Lanlivery Primary Academy
1.5 mi
Inspected as Lanlivery Community Primary School (URN 111915) on 13 Oct 2011
Red Moor School
1.5 mi
Inspected by ISI

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

View All Schools

Comparables

View All

Barclays House, 17 Queen Street
-
£118k
-
Barclays House, 17 Queen Street
-
£160k
-
17 Queen Street
-
£165k
-
19A Queen Street
-
£160k
-

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