Eggy, I think your original theory was nearer the mark, but one of your localisations may be a bit off beam, ie the house on the top. I still think that it was Millbank (House) and in the photo there is an inclined path/track, which remains, leading to another smaller house, hence the name Millbank. In your later posting you suggest a viewpoint down Humford Woods and I know the exact place you have in mind. However, if you could see Bank Top cottage from there, without the current level of vegetation, it would be almost level to the viewer, whereas it appears higher up in the photo.