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£1,000,000
Bedrooms
Bathrooms
A rare and exciting opportunity to purchase this four bedroom, four storey character property, centrally located within St Ives offering stunning sea and harbour views.
Property Description - Pier House offers a superb and rare opportunity to purchase a sizable, four storey, three /four bedroom, end of terrace property situated within a prime location, in the heart of old St Ives.
The property offers stunning views of the Harbour, and nearby beaches, with the added benefit of a commercial premises on the ground floor which is currently tenanted and run as a successful coffee shop.
Location - St Ives is a picturesque seaside town on the north coast of Cornwall, England, celebrated for its golden beaches, clear turquoise waters, and thriving artistic community. Tucked into a sheltered bay, the town winds around a working harbour, where fishing boats bob on the tide and narrow, cobbled streets lead to galleries, shops, and historic pubs.
Known for its exceptional natural light, St Ives has long drawn artists from around the world, earning a reputation as one of the UKs most important creative hubs. The town is home to Tate St Ives, the Barbara Hepworth Museum and Sculpture Garden, and the Leach Pottery, among many other art spaces.
Its six beachesincluding Porthmeor, Porthminster, and the Harbour Beachoffer something for everyone, from surfing and paddleboarding to peaceful sunbathing and coastal walks. The South West Coast Path runs through the area, offering breathtaking cliffside views and access to nearby nature reserves and coves.
Despite its small size, St Ives is rich in history, dating back to the medieval period as a fishing village and maritime port. Today, it blends historic charm with contemporary culture, attracting visitors for its food, scenery, creativity, and laid-back coastal lifestyle.
The Accommodation Comprises - (All dimensions are approximate and measured by LIDAR)
Front door opening into...
Reception Hallway - Tiled flooring, carpeted stairs rising to...
First Floor Landing - Storage cupboard, radiator, carpeted stairs to second floor landing. Door opening into...
Open Plan Lounge / Kitchen / Diner - Exposed floor boards.
KITCHEN: Attractively fitted with a range of blue shaker style base and wall mounted units with contrasting granite work surfacing over. Undercounter twin sink with mixer tap, and carved drainer to the side. Integrated four ring gas hob, stainless steel and glass extractor above, wooden sash window to the rear and side offering views of the Harbour, eye level integrated double oven and grill.
Plumbing and recess for washing machine, central island unit with granite work surface, integral dishwasher, recess to the side with space for an undercounter fridge.
LOUNGE/DINER: Integrated coal effect gas fire, two wooden sash windows to the front offering delightful views of the Harbour and St Ives Bay.
Fitted dresser offering cupboards with shelving above. Storage cupboard. Understairs storage cupboard housing the gas boiler.
Returning onto the first floor landing there is access into...
Separate W/C - Fitted with a low level w/c with concealed cistern. Vanity hand wash basin, with a tiled splash back, obscured window to the side.
From the first floor landing, carpeted stairs lead up to...
Second Floor Landing - Exposed wooden flooring, wooden sash window to the side, offering views into the Harbour.
Open tread staircase rising to the third floor. Doors into...
Master Bedroom - Exposed floor boards, radiator, built in wardrobe, wooden sash window to the front offering delightful into the bay.
Door leading into...
Ensuite - Low level w/c with concealed cistern, pedestal wash hand basin,
Bedroom - Exposed floor boards, wooden sash window to the side aspect enjoying views of the bay.
Bedroom - Exposed floor boards, radiator, wooden sash window to the side enjoying views of the bay.
From the second floor landing, there is a staircase rising up into:
Bedroom / Sitting Room - This room is currently being used as a sitting room, but can be used as a bedroom if required.
Wooden flooring, two radiators. Triple aspect sash windows with two offering some of the finest views of St Ives Harbour and the bay, across to Gwithian and Hayle. Exposed A frame ceiling beams, and useful storage into the eaves.
Ground Floor Shop Premises - Situated on the ground floor of the building is a shop premises, currently let out and trading as a coffee shop. With a good sized, open plan kitchen area, ample seating space, and large windows to three sides enjoying sea and Harbour views.
The rent per month from the shop is 1083.33.
Services - The property is connected to mains electricity, gas, water and drainage. It falls within Council Tax Band C.
The property benefits from gas fired central heating and there is a gas fire within the open plan lounge/kitchen diner.
Directions - Upon entering St Ives, proceed down Lifeboat Hill onto Wharf Road, continue along this road, passing the Sloop public house on your left and onto The Wharf.
Quay street is situated a short distance along this road. Pier House will soon be seen on your left hand side.
Material Information - Verified Material Information
Council Tax band: C
Tenure: Freehold
Property type: End of terrace house with a commercial premises on the ground floor.
Property construction: Standard undefined construction
Energy Performance rating: E
Electricity supply: Mains electricity
Solar Panels: No
Other electricity sources: No
Water supply: Mains water supply
Sewerage: Mains
Heating: Mains gas-powered central heating is installed.
Heating features: None
Broadband: FTTC (Fibre to the Cabinet)
Mobile coverage: O2 - Good, Vodafone - Good, Three - Good, EE - Good
Parking: None
Building safety issues: No
Restrictions - Listed Building: No
Restrictions - Conservation Area: No
Restrictions - Tree Preservation Orders: None
Public right of way: No
Long-term area flood risk: No
Historical flooding: No
Flood defences: No
Coastal erosion risk: Yes
Planning permission issues: No
Accessibility and adaptations: None
Coal mining area: No
Non-coal mining area: Yes
All information is provided without warranty. Contains HM Land Registry data Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.
The information contained is intended to help you decide whether the property is suitable for you. You should verify any answers which are important to you with your property lawyer or surveyor or ask for quotes from the appropriate trade experts: builder, plumber, electrician, damp, and timber expert.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £ 8,216.87
Monthly Payment: £ 8,216.87
Monthly Payment: £ 8,216.87
Amortization For Monthly Payment: £8,216.87 over 30 years ( Based on 3.20% Interest )
Using your investment as a 25.00% deposit and £ 5,833 in costs for purchasing and getting ready to let.
Stamp Duty is a tax paid on completion via your solicitor, the calculation includes the 3% surcharge for second homes.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The refurbishment budget is set to 2.50% of the purchase price, but this will vary dependent on the suitability of the property for the rental market. Select a value that you feel is appropriate to the condition of the property.
This will vary between lenders, type of report and whether or not you are buying with a mortgage, for advice on which type of survey would be appropriate speak with an advisor from Preston Baker Financial Services.
Lenders will often charge a fees for the arrangement of a mortgage, for advice on what lenders may charge, speak with an advisor from Preston Baker Financial Services. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the sum of mortgage admin, land registry, search, bank transfer and any other fees incurred.
Purchase costs include assumed mortgage and survey costs which are estimated. For a quote contact a Preston Baker Financial Services mortgage advisor who can provide you with current and accurate information. The stamp duty calculation has applid the 3% stamp duty surcharge on the basis that this will be a second property.
The mortgage is assumed to be interest only. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the percentage of the rent that you will spend maintaining the property.
Ground Rent only applies to leasehold properties. This is an assumed ground rent, the confirmed figure can be found in the Property Information Questionnaire.
Service charge only applies to leasehold properties. The correct figure can found in the Property Information Questionnaire answered by the seller.
This is a standard, indicative figure only. Properties that have a service charge often have this included withing that charge. Please consult the Property Information Questionnaire for more information.
Final Equity Profit = Final Property Value - Mortgage Required - Investment
Cumulative Rental Profit = Annual rental profit x Time of Investment
This is the assumed rate of house price inflation.
This is the property value at the end of the investment based on an assumed rate of % house price inflation.
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