Apartment 8, Westpoint, 99 Baring Road, Cowes, PO31 8DS

UPRN:10090468348Flat/MaisonetteBeds -Built 2007-2011

LeaseholdCouncil Tax: Band FEPC: B (81)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Apartment 8, Westpoint, 99 Baring Road, Cowes, PO31 8DS

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£413,000

£330k - £495kLow

Estimate

£413k

Range

£330k – £495k

Rent Estimate (pcm)

£1,850

£2k - £2k

Monthly

£1,850

Yield

4.44%

Verdict

Derived from HomePortfolio scores

Apartment 8 earns an INVESTIGATE rating with HP Score 58/100. Investment score 51/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (28/100). 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 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

51/ 100

Moderate

Crime Score

39/ 100

Elevated

Walkability

28/ 100

Low

Transit & Bike

Transit 9Bike 29

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 4.4%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1850/mo (range 1700-2000)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,256/mo, -68% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 4 Nov 2026
Risk & liquidity9.2/15
183 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£500,000

At the asking price

Monthly rent£1,850/mo

Evidenced range £1,700-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £166,300
Net cash flow: -£407/mo
Cash on cash: -2.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.10 - 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 1850/mo (range 1700-2000)Rental economics · as of 13 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from 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 1850/mo (range 1700-2000)

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£413,000

Rent Estimate (pcm)£1,850

Gross Yield4.44%

1y Growth+54.0%

3y Growth-0.2%

5y Growth+1.9%

10y Growth+3.3%

Last Sold Price£460,000 (2012-06-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0PO31 8DS

Approval Rate

-12mo

Development

low

26/01538/HOU
Demolition of existing garage; erection of replacement single garage/store; new vehicular entrance gates with stone piers; replacement of existing retaining wall; and alterations to the driveway serving the new garage
Pending
26/01531/TW
**5 Day Notice** T1; Oak (Quercus robur) - Pollard to approximate points on picture (reducing the top by approximately 8 metres). Reason: Tree has sustained damage in recent storm and central stem has a large torsional split. Tree is overhanging the footpath and bench.
Pending
26/01475/FUL
Demolition of existing dwelling; Proposed replacement dwelling and one detached dwelling with associated vehicular access and parking area
Pending

View Planning Timeline

Ownership

Corporate Ownership60.4%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2012-06-01
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,740

Population Density-

Owner Occupied62%

Age Distribution

0-15 11%16-64 53%65+ 36%

View Area Profile

Schools Nearby

Gurnard Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Cowes Enterprise College, An Ormiston Academy
0.6 mi
Good
Lanesend Primary School
0.9 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Northwood Primary School
1.7 mi
GoodConcerns

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

View All Schools

Comparables

View All

Westpoint, 99 Baring Road
-
£310k
-
115 Baring Road
-
£875k
-
87 Baring Road
-
£880k
-
134 Baring Road
-
£800k
-

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