4 The Beach, West Cliff, Porthtowan, Truro, TR4 8AE

UPRN:10091023880Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band EEPC: B (82)

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

4 The Beach, West Cliff, Porthtowan, Truro, TR4 8AE

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£444,000

£422k - £466kHigh

Estimate

£444k

Range

£422k – £466k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

1.11%

Verdict

Derived from HomePortfolio scores

4 The Beach earns an INVESTIGATE rating with HP Score 62/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (12/100). 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

62/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

12/ 100

Low

Transit & Bike

Transit 4Bike 17

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 2026

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

Check before relying on this score: the advert has 5 bedrooms but the valuation snapshot describes 2 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-1.6/15
claims [AVM -327.9% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10091023880· as of 9 Oct 2026
Rental economics0/40
gross yield 1.1%; range width penalty ×0.86
- valuation_snapshotsrent estimate 1750/mo (range 1600-1900)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -6,859/mo, -392% 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 30 Oct 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity14.7/15
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

£1,425,000£1,995,000

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£1,900,000

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,600-£1,900

Interest rate5.4%

Loan to value75%

Cash required: £713,050
Net cash flow: -£5,201/mo
Cash on cash: -8.8%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.27 - 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 10091023880Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 1750/mo (range 1600-1900)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 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
Rental economics needs verification before you rely on it
rent estimate 1750/mo (range 1600-1900)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

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

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. 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£444,000

Rent Estimate (pcm)£1,750

Gross Yield1.11%

1y Growth-1.1%

3y Growth-3.0%

5y Growth+0.0%

10y Growth+3.9%

Last Sold Price£465,000 (2024-04-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0TR4 8AE

Approval Rate

-12mo

Development

low

PA26/06926
Change of use of dwelling from warden's accommodation to an unrestricted dwelling (no operational development)
Pending
PA26/07012
Submission of details to discharge conditions 5 (CL1 - Risk assessment), 6 (CL2 - Remediation scheme) and 7 (CL3 - Verification report) in relation to Decision notice PA26/03474 dated 17.09.26
Conditions
PA26/05060
Revocation of S106 agreement which restricts the property to wardens accommodation
Conditions

View Planning Timeline

Ownership

Corporate Ownership75.2%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2024-04-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,210

Population Density193 /km²

Owner Occupied70%

Age Distribution

0-15 19%16-64 59%65+ 22%

View Area Profile

Schools Nearby

Mount Hawke Academy
1.7 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Agnes Academy
2.4 mi
Outstanding
Portreath Community Primary School
2.5 mi
Inspected as Portreath Community Primary School (URN 111839) on 22 May 2013
Illogan School
2.8 mi
Good

2 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

The Beach West Cliff
-
£855k
-
Seaforth West Cliff
-
£107k
-
Kernou West Cliff
-
£640k
-
Clovelly West Cliff
-
£366k
-

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