Holcwm, Cynwyl Elfed, Carmarthen, SA33 6TB

UPRN:10004849263Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: F (24)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Holcwm, Cynwyl Elfed, Carmarthen, SA33 6TB

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£338,000

£270k - £406kLow

Estimate

£338k

Range

£270k – £406k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

3.95%

Verdict

Derived from HomePortfolio scores

Holcwm earns an INVESTIGATE rating with HP Score 68/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is very 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

68/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

5/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity
advert has 2 bedrooms but the valuation snapshot describes 4 - the UPRN's evidence is for a different home

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£395,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £129,550
Net cash flow: -£433/mo
Cash on cash: -4.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.98 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£338,000

Rent Estimate (pcm)£1,300

Gross Yield3.95%

1y Growth-

3y Growth-3.9%

5y Growth-0.5%

10y Growth+4.3%

Last Sold Price£168,000 (2017-11-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA33 6TB

Approval Rate

-12mo

Development

low

PL/00908
Conversion of part of the ground floor to a self contained holiday let flat
Approved
W/39963
ROOF EXTENSION TO TWO EXISTING PORTAL FRAMED SHEDS
Approved

View Planning Timeline