32 Worsley Road, Cowes, PO31 8JW

UPRN:10091029502Detached House4 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: B (85)

Data freshness:Price Paid· freshPlanning· freshEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

19 of 21 sources

Sale Estimate

£796,000

£756k - £836kHigh

Estimate

£796k

Range

£756k – £836k

Rent Estimate (pcm)

£2,800

£2k - £3k

Monthly

£2,800

Yield

6.11%

Verdict

Derived from HomePortfolio scores

32 Worsley Road earns an INVESTIGATE rating with HP Score 83/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is very 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 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

83/ 100

Strong

Investment Score

70/ 100

High

Crime Score

9/ 100

Low

Walkability

84/ 100

High

Transit & Bike

Transit 14Bike 49

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 31 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 estimate sits 31% above the ask. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM +30.9% (HIGH), sold-comps +21.3%, £/sqft +21.4%] → 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 Oct 2026
- valuation_snapshotsestimate for 10091029502· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 13.7%· as of 25 Oct 2026
Rental economics6.5/40
gross yield 6.1%; range width penalty ×0.74; the estimate this rent rides on sits 31% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 2800/mo (range 2450-3100)· as of 9 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 31% above the ask on the same snapshot - verify the rent describes this home· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -392/mo, -14% 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 31 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 200 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 31 Oct 2026
Risk & liquidity14.6/15
183 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

£412,500£632,500

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£550,000

At the asking price

Monthly rent£2,800/mo

Evidenced range £2,450-£3,100

Interest rate5.4%

Loan to value75%

Cash required: £183,800
Net cash flow: £82/mo
Cash on cash: 0.5%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.51 - clears 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 10091029502Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 13.7%Valuation edge · as of 25 Oct 2026
valuation_snapshotsrent estimate 2800/mo (range 2450-3100)Rental economics · as of 9 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 31% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 2800/mo (range 2450-3100)
Rental economics needs verification before you rely on it
sale estimate 31% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£796,000

Rent Estimate (pcm)£2,800

Gross Yield6.11%

1y Growth-

3y Growth-0.2%

5y Growth+1.9%

10y Growth+3.3%

Last Sold Price£565,000 (2019-12-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2PO31 8JW

Approval Rate

100%12mo

Development

low

26/01534/TW
TG1; Oak - Prune back limbs to the woodland boundary marked by the green line. Reason: Trees are encroaching on the property to the north. TG2; 3x Ash saplings - Remove. Reason: Heading north and unsuitable for long-term retention. These 3 trees are on the woodland boundary of 28 The Walnut Tree, Cockleton Lane, Gurnard. Western end of the green line.
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 Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-12-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

9 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£26,740

Population Density-

Owner Occupied76%

Age Distribution

0-15 16%16-64 55%65+ 29%

View Area Profile

Schools Nearby

Gurnard Primary School
0.3 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Lanesend Primary School
0.8 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Cowes Enterprise College, An Ormiston Academy
0.8 mi
Good
Northwood Primary School
1.4 mi
GoodConcerns

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

View All Schools

Comparables

View All

42 Worsley Road
-
£280k
-
35 Worsley Road
-
£360k
-
37 Worsley Road
-
£255k
-
39 Worsley Road
-
£1.40M
-

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