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1 bed flat for sale The Terrace, St. Ives, TR26

Asking price

£285,000

Reduced on 29/09/2026

Type: Flat
Bedrooms: 1
Bathrooms: 1
Size: £616 per sq ft
Tenure: Share of freehold

EPC C 70 potential B

Highlights

From the agent's description

Chain free
Underground parking
Sea views
Open-plan kitchen/diner

About this property

A superb apartment ideally positioned, sitting over Porthminster Beach and enjoying direct, uninterrupted sea views across St Ives Bay to Gwithian, out to Godrevy Lighthouse and beyond. The apartment is conveniently placed with the bus and railway station, the beaches, harbour front, shops and restaurants just a short walk away.

Floorplan

Energy performance

C 70

Current

Potential

92+

81-91

86 B

69-80

70 C

55-68

39-54

21-38

1-20

This home is rated band C, scoring 70 out of 100. The average British home is band D. Its certificate says it could reach band B (86) if the improvements it recommends were carried out.

Read from the certificate published with this listing, so it may not be the latest one. Check the government EPC register for the full certificate and its recommendations.

Council tax

Ask agent

Per year

Band A

£1,727
Band B

£2,015
Band C

£2,303
Band D

£2,591
Band E

£3,167
Band F

£3,742
Band G

£4,318
Band H

£5,182

The agent hasn't said which band this home is in; you can look it up on GOV.UK. In Cornwall, 2026/27 bills run from £1,727 a year in band A to £5,182 in band H.

Figures from MHCLG (Open Government Licence v3): the average bill for each band across Cornwall, including the typical parish precept, so a parish's own bill can differ a little. Discounts lower the bill, such as 25% off for an adult living alone.

Property timeline

Reduced

September 2026 £285,000

Was £289,000
Listed

September 2026 £289,000

1 bed · 1 bath · this listing

Past sales can't be shown: the agent hasn't given the flat number.

Price guide

This home

£616 / sq ft

Area average (sold)

£434 / sq ft

Price per area, sold homes nearby

£267 / sq ft

£616 / sq ft

£630 / sq ft

Lowest

This home

Highest

£616 per sq ft, above the middle of recent sales in TR26 (£267–£630, 10th–90th percentile, 265 sales over 24 months).

Lowest and highest are the 10th and 90th percentiles of 265 homes sold in TR26 over the last 24 months. This home's figure uses its asking price. All sold £/sq ft in TR26 →

Location

The Terrace, St. Ives, TR26

Open map Street View

Mortgage and stamp duty

Property price £285,000

£142k £428k

Deposit10% £29,000

£0 £285k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £256,000 mortgage. Most lenders would want a household income of about £57,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Properties sold nearby

HM Land Registry sales nearby. Floor areas from Energy Performance Certificates where matched.

Address	Type	Sold	Size	Size	£/sq ft	Price
Flat 41, Carrack Widden, The Terrace Flat / maisonette	Flat / maisonette	Aug 2025	463 sq ft £605/sq ft	463 sq ft	£605	£280,000
Low Tide Flat 3, 20, The Terrace Flat / maisonette	Flat / maisonette	Mar 2025	560 sq ft £509/sq ft	560 sq ft	£509	£285,000
24, The Terrace Terraced	Terraced	Feb 2025	2,120 sq ft £519/sq ft	2,120 sq ft	£519	£1,100,000
Flat 32, Carrack Widden, The Terrace Flat / maisonette	Flat / maisonette	Jan 2025	463 sq ft £475/sq ft	463 sq ft	£475	£220,000
Apartment 3, Chy An Porth, The Terrace Flat / maisonette	Flat / maisonette	Dec 2024	786 sq ft £617/sq ft	786 sq ft	£617	£485,000
14, The Terrace Terraced	Terraced	Jul 2022	1,399 sq ft £607/sq ft	1,399 sq ft	£607	£850,000
Apartment 6, Chy An Porth, The Terrace Flat / maisonette	Flat / maisonette	Dec 2021	980 sq ft £660/sq ft	980 sq ft	£660	£646,000
Flat 31, Carrack Widden, The Terrace Flat / maisonette	Flat / maisonette	Apr 2021	495 sq ft £580/sq ft	495 sq ft	£580	£287,000