Flat 1, The Clubhouse, 22–24 Mutley Plain, Plymouth, PL4 6LD

UPRN:10091560905Flat/Maisonette4 bedsBuilt 2012 onwards

Tenure: -Council Tax: Band AEPC: C (80)

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

Flat 1, The Clubhouse, 22–24 Mutley Plain, Plymouth, PL4 6LD

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£113,000

£90k - £135kLow

Estimate

£113k

Range

£90k – £135k

Rent Estimate (pcm)

£400

£350 - £450

Monthly

£400

Yield

0.24%

Verdict

Derived from HomePortfolio scores

Flat 1 earns an INVESTIGATE rating with HP Score 64/100. Investment score 70/100 reflects strong fundamentals. Crime intensity is elevated. Walkability is excellent (85/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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)Defra 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

64/ 100

Mixed

Investment Score

70/ 100

High

Crime Score

88/ 100

Elevated

Walkability

85/ 100

Excellent

Transit & Bike

Transit 49Bike 57

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 0.3% on contractual rent (listing-disclosed tenancy); contractual 19448/mo far above the 400/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 19447.58/mo (tenanted)· as of 3 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -8,185/mo, -1574% 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 3 Nov 2026
Risk & liquidity9.3/15
381 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£2,000,000

At the asking price

Monthly rent£400/mo

Evidenced range £350-£450

Interest rate5.4%

Loan to value75%

Cash required: £755,050
Net cash flow: -£6,473/mo
Cash on cash: -10.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.06 - 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

listing_factscontractual rent 19447.58/mo (tenanted)Rental economics · as of 3 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 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
contractual rent 19447.58/mo (tenanted)

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£113,000

Rent Estimate (pcm)£400

Gross Yield0.24%

1y Growth-

3y Growth+2.7%

5y Growth+2.2%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0PL4 6LD

Approval Rate

-12mo

Development

low

26/01513/TCO
Silver birch- Fell
Pending
26/01498/CDM
Condition Discharge: Condition 3 (Cycle Provision) of application 26/00948/FUL
Conditions
26/01497/EXUS
Establish existing use of the property as a 6-bed HMO (Class C4)
Pending

View Planning Timeline

Ownership

Corporate Ownership68.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,992

Population Density7,808 /km²

Owner Occupied23%

Age Distribution

0-15 8%16-64 85%65+ 7%

View Area Profile

Schools Nearby

Plymouth High School for Girls
0.2 mi
Good
Plymouth College
0.2 mi
Inspected by ISI
Hyde Park Infants' School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Hyde Park Junior School
0.3 mi
Good

0 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

34 Mutley Plain
-
£216k
-
26 Mutley Plain
-
£145k
-

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