1/20

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

Asking price

£185,000

Reduced on 02/10/2026

Type: Flat
Bedrooms: 1
Bathrooms: 1
Size: £585 per sq ft
Tenure: Leasehold

EPC D 61 potential C

Highlights

From the agent's description

Chain free
Off-street parking
Open-plan kitchen/diner

About this property

A ground floor one bedroom apartment with parking , a stones throw from the Tate Gallery and Porthmeor beach.

The property is in good decorative order. There is a hallway, open plan lounge/kitchen/diner, a shower room and a bedroom with a seating area and Juliette Balcony.

Outside is tandem parking for two cars and a storage unit currently used by the owners to sit and watch the sun go down.

Floorplan

Energy performance

D 61

Current

Potential

92+

81-91

69-80

70 C

55-68

61 D

39-54

21-38

1-20

This home is rated band D, scoring 61 out of 100. The average British home is band D. Its certificate says it could reach band C (70) 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.

Price guide

This home

£585 / sq ft

Area average (sold)

£434 / sq ft

Price per area, sold homes nearby

£267 / sq ft

£585 / sq ft

£630 / sq ft

Lowest

This home

Highest

£585 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.

Location

Belmont Terrace, St. Ives, TR26

Open map Street View

Mortgage and stamp duty

Property price £185,000

£92k £278k

Deposit10% £19,000

£0 £185k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £166,000 mortgage. Most lenders would want a household income of about £37,000 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 4, 4, Belmont Terrace Flat / maisonette	Flat / maisonette	Jun 2025	323 sq ft £434/sq ft	323 sq ft	£434	£140,000
Flat 5, 10, Belmont Terrace Flat / maisonette	Flat / maisonette	Dec 2023	463 sq ft £356/sq ft	463 sq ft	£356	£165,000
Flat 1, 10, Belmont Terrace Flat / maisonette	Flat / maisonette	Aug 2021	344 sq ft £441/sq ft	344 sq ft	£441	£152,000
Flat 2, 4, Belmont Terrace Flat / maisonette	Flat / maisonette	Jul 2020	280 sq ft £518/sq ft	280 sq ft	£518	£145,000
Flat 4, 4, Belmont Terrace Flat / maisonette	Flat / maisonette	Aug 2019	323 sq ft £495/sq ft	323 sq ft	£495	£160,000
3, Belmont Terrace Terraced	Terraced	Mar 2018	1,862 sq ft £306/sq ft	1,862 sq ft	£306	£570,000
Flat 1, 4, Belmont Terrace Flat / maisonette	Flat / maisonette	Feb 2017	301 sq ft £547/sq ft	301 sq ft	£547	£165,000
Flat 1, 10, Belmont Terrace Flat / maisonette	Flat / maisonette	Dec 2014	344 sq ft £363/sq ft	344 sq ft	£363	£125,000