Oceanview, Parc Owles, Carbis Bay, St. Ives, TR26 2RE

UPRN:10093246647Detached House4 bedsBuilt 2023

FreeholdCouncil Tax: Band FEPC: B (83)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 6mo ago

Oceanview, Parc Owles, Carbis Bay, St. Ives, TR26 2RE

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£1,536,000

£1.38M - £1.69MMedium

Estimate

£1.54M

Range

£1.38M – £1.69M

Rent Estimate (pcm)

£5,800

£5k - £6k

Monthly

£5,800

Yield

4.11%

Verdict

Derived from HomePortfolio scores

Oceanview earns an INVESTIGATE rating with HP Score 72/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (41/100). 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 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

72/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

15/ 100

Low

Walkability

41/ 100

Mixed

Transit & Bike

Transit 12Bike 18

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 7 Nov 2026

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

Valuation edge-0.6/15
claims [AVM -10.4% (MEDIUM)] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10093246647· as of 9 Oct 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.79
- valuation_snapshotsrent estimate 5800/mo (range 5200-6400)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -3,018/mo, -52% 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 7 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 347 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 7 Nov 2026
Risk & liquidity12.8/15
156 sales/12mo in area; valuation range width 20%
- 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

£1,271,000£1,949,000

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£1,695,000

At the asking price

Monthly rent£5,800/mo

Evidenced range £5,200-£6,400

Interest rate5.4%

Loan to value75%

Cash required: £626,950
Net cash flow: -£1,705/mo
Cash on cash: -3.3%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.01 - 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 10093246647Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 5800/mo (range 5200-6400)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 5800/mo (range 5200-6400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 347 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. 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£1,536,000

Rent Estimate (pcm)£5,800

Gross Yield4.11%

1y Growth-

3y Growth-6.3%

5y Growth-0.9%

10y Growth+1.7%

Last Sold Price£327,000 (2013-12-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

1TR26 2RE

Approval Rate

-12mo

Development

low

PA26/07088
Construction of new Dwelling
Pending
PA26/06792
1st Floor Extension with Small Roof Terrace on Garage Roof of Chapter's House
Pending
PA26/01016/PREAPP
Pre application advice for proposed restoration and sustainable reuse to return the building to a habitable state, comprising live/work accommodation for art, craft and literary residencies.
Pending

View Planning Timeline