28 The Bay Holiday Complex, Talland Bay, PL13 2JA

UPRN:10090521629Detached House3 bedsBuilt 2012 onwards

LeaseholdCouncil Tax: Band EEPC: D (59)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

28 The Bay Holiday Complex, Talland Bay, PL13 2JA

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£316,000

£300k - £332kHigh

Estimate

£316k

Range

£300k – £332k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

4.38%

Verdict

Derived from HomePortfolio scores

28 The Bay Holiday Complex earns an INVESTIGATE rating with HP Score 61/100. Investment score 55/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (10/100). 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 listingsOfcom Connected NationsOfcom mobile coverageMarket 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

61/ 100

Mixed

Investment Score

55/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

10/ 100

Low

Transit & Bike

Transit 24Bike 20

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM +0.3% (HIGH), sold-comps +7.1%, £/sqft +7.1%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 10090521629· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 17.4%· as of 31 Oct 2026
Rental economics0/40
gross yield 4.4%; range width penalty ×0.77
- valuation_snapshotsrent estimate 1150/mo (range 1000-1250)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,107/mo, -96% 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
Seller motivationNot scored
context, not scored: 0 price cut(s), 96 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 4 Nov 2026
Risk & liquidity14.6/15
131 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£236,000£362,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£315,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,000-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: -£267/mo
Cash on cash: -3.2%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.08 - 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_snapshotsestimate for 10090521629Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 17.4%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1150/mo (range 1000-1250)Rental economics · as of 9 Nov 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

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1150/mo (range 1000-1250)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 96 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£316,000

Rent Estimate (pcm)£1,150

Gross Yield4.38%

1y Growth+21.3%

3y Growth-1.8%

5y Growth-0.4%

10y Growth+2.7%

Last Sold Price£385,000 (2013-05-31)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

2PL13 2JA

Approval Rate

100%12mo

Development

low

PA26/06142
Removal of a section of hotel roof and replacement with an alternative design providing space for 4 new ensuite rooms, inclusion of photovoltaic panels to flat roof and southern roof slope
Pending
PA26/04542
Certificate of lawfulness for existing use for the construction of two sheds used for storage and workshops, including concrete slab
Approved
PA26/01786
Proposed side extensions to existing rear kitchen with replacement roof; alterations to garage roof and garage extension
Conditions

View Planning Timeline

Ownership

Corporate Ownership61.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2013-05-31
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density165 /km²

Owner Occupied74%

Age Distribution

0-15 11%16-64 54%65+ 35%

View Area Profile

Schools Nearby

Polperro Primary Academy
1.1 mi
Inspected as Polperro Community Primary School (URN 111955) on 17 Jun 2015
Looe Primary Academy
2.3 mi
Inspected as Looe Primary School (URN 111959) on 8 May 2013
Looe Community Academy
2.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Pelynt Primary Academy
2.7 mi
Good

0 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

High Barns
-
£50k
-
The Bay
-
£350k
-
The Bay
-
£560k
-
The Bay
-
£375k
-

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