Trepenpol Cottage, 20A St Georges Road, Hayle, TR27 4AH

UPRN:100040105548Detached HouseBeds -Built 1976-1982

Tenure: -Council Tax: -EPC: C (70)

Data freshness:Listing· freshEPC· 5mo agoRisk· 2y agoCrime· freshAmenities· 1mo agoArea· Census 2021

Trepenpol Cottage, 20A St Georges Road, Hayle, TR27 4AH

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

£316,000

£253k - £379kLow

Estimate

£316k

Range

£253k – £379k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

1.03%

Verdict

Derived from HomePortfolio scores

Trepenpol Cottage earns an INVESTIGATE rating with HP Score 70/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (54/100). 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

70/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

21/ 100

Moderate

Walkability

54/ 100

Moderate

Transit & Bike

Transit 20Bike 34

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 1.0%; range width penalty ×0.78
- valuation_snapshotsrent estimate 1200/mo (range 1100-1350)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -5,133/mo, -428% 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 21 Oct 2026
Risk & liquidity9.3/15
184 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£1,395,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,350

Interest rate5.4%

Loan to value75%

Cash required: £503,050
Net cash flow: -£3,877/mo
Cash on cash: -9.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.25 - 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_snapshotsrent estimate 1200/mo (range 1100-1350)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 21 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 21 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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 1200/mo (range 1100-1350)

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£316,000

Rent Estimate (pcm)£1,200

Gross Yield1.03%

1y Growth-

3y Growth-0.8%

5y Growth+0.6%

10y Growth+2.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

2TR27 4AH

Approval Rate

0%12mo

Development

low

PA26/06895
Works to trees within a Conservation Area - removal of 4 Sycamore trees on boundary wall
Pending
PA26/01109/PREAPP
Pre-application advice for Construction of seven new 2 (No.) bed apartments, specific advice on what to do in order to successfully discharge the BDNG condition attached to Application PA24/07177.
Pending
PA26/06606
Works to trees within a conservation area: T1 (Tree of Heaven) - remove due to canopy collapse and damage to remaining stems.
Pending

View Planning Timeline

Ownership

Corporate Ownership72.1%
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£28,210

Population Density-

Owner Occupied36%

Age Distribution

0-15 17%16-64 62%65+ 21%

View Area Profile

Schools Nearby

Penpol School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Hayle Academy
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bodriggy Academy
0.4 mi
Good
The Cornwall Independent School
0.5 mi
Inspected by ISI

6 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

12 St Georges Road
-
£500k
-
22A St Georges Road
-
£500k
-
12 St Georges Road
-
£315k
-
10 St Georges Road
-
£350k
-

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