Ceffyl Gwyn, Rhyd-y-Meudwy, Ruthin, LL15 2ST

UPRN:10003928346Detached House5 bedsBuilt before 1900

FreeholdCouncil Tax: Band GEPC: E (41)

Data freshness:Listing· freshPlanning· 5mo agoOwnership· freshEPC· 6mo agoRisk· 2y agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Ceffyl Gwyn, Rhyd-y-Meudwy, Ruthin, LL15 2ST

HP Score

/ 100

Mixed

Verdict

yesterday

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

15 of 21 sources

Sale Estimate

£804,000

£764k - £844kHigh

Estimate

£804k

Range

£764k – £844k

Rent Estimate (pcm)

£2,150

£2k - £3k

Monthly

£2,150

Yield

3.25%

Verdict

Derived from HomePortfolio scores

Ceffyl Gwyn earns an INVESTIGATE rating with HP Score 71/100. Investment score 65/100 reflects moderate fundamentals. Crime intensity is low. Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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)HM Land Registry sales matched to addressONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

65/ 100

Moderate

Crime Score

17/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM +1.1% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 11 Nov 2026
- valuation_snapshotsestimate for 10003928346· as of 11 Nov 2026
Rental economics0/40
gross yield 3.2%; range width penalty ×0.60
- valuation_snapshotsrent estimate 2150/mo (range 1850-2500)· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,904/mo, -89% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 196 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 9 Nov 2026
Risk & liquidity14.6/15
101 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£596,000£914,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£795,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,850-£2,500

Interest rate5.4%

Loan to value75%

Cash required: £269,550
Net cash flow: -£1,195/mo
Cash on cash: -5.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.80 - 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_snapshotsestimate for 10003928346Valuation edge · as of 11 Nov 2026
valuation_snapshotsrent estimate 2150/mo (range 1850-2500)Rental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 2150/mo (range 1850-2500)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 196 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£804,000

Rent Estimate (pcm)£2,150

Gross Yield3.25%

1y Growth-

3y Growth+3.4%

5y Growth+2.8%

10y Growth+4.0%

Last Sold Price£136,000 (1997-06-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0LL15 2ST

Approval Rate

-12mo

Development

low

19/2023/0006
Manylion mesurau osgoi, lliniaru, digolledu a gwella ystlumod (amod 4). goleuo (amod 5). darpariaeth ar gyfer gwenoliaid nythu (amod 6). cynllun tirlunio (amod 7) ac Archwiliad Cydymffurfiaeth Ecolegol (amod 9) a gyflwynwyd yn unol a chaniatad cynllunio rhif 19/2022/0672 / Details of bat avoidance, mitigation, compensation, and enhancement measures (condition 4). lighting (condition 5). provision for nesting swallows (condition 6). landscaping scheme (condition 7) and Ecological Compliance Audit (condition 9) submitted in accordance with planning permission code no. 19/2022/0672
Pending
19/2023/0011
Manylion arolwg ffotograffig a gyflwynwyd yn unol ag amod rhif 3 o ganiatâd cynllunio rhif 19/2022/0672 / Details of photographic survey submitted in accordance with condition no. 3 of planning permission code no. 19/2022/0672
Approved
19/2022/0942
Codi garej/gweithdy deulawr ar wahan i'r flaen annedd, addasiadau i fynediad i gerbydau, thriniaethau ffiniau a gwaith cysylltiedig / Erection of detached two storey garage/workshop building to front of dwelling, alterations to vehicular access, boundary treatments and associated works
Pending

View Planning Timeline