97 Tal y Coed, Hendy, Pontarddulais, Swansea, SA4 0XR

UPRN:10004856929Semi-Detached House2 bedsBuilt 1996-2002

FreeholdCouncil Tax: -EPC: C (72)

Data freshness:Listing· freshPlanning· 2mo agoOwnership· freshEPC· 1mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

97 Tal y Coed, Hendy, Pontarddulais, Swansea, SA4 0XR

HP Score

/ 100

Strong

Verdict

3 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£187,000

£178k - £197kHigh

Estimate

£187k

Range

£178k – £197k

Rent Estimate (pcm)

£900

£850 - £1k

Monthly

£900

Yield

5.74%

Verdict

Derived from HomePortfolio scores

97 Tal y Coed earns an INVESTIGATE rating with HP Score 87/100. Investment score 79/100 reflects strong 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 company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

87/ 100

Strong

Investment Score

79/ 100

High

Crime Score

8/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 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 -0.5% (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 10 Oct 2026
- valuation_snapshotsestimate for 10004856929· as of 10 Oct 2026
Rental economics5.2/40
gross yield 5.7%; range width penalty ×0.87
- valuation_snapshotsrent estimate 900/mo (range 850-1000)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -262/mo, -29% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 72 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 6 Nov 2026
Risk & liquidity14.6/15
481 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

£141,000£216,000

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£188,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£1,000

Interest rate5.4%

Loan to value75%

Cash required: £58,960
Net cash flow: -£11/mo
Cash on cash: -0.2%
Score at this price: 20

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - clears 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 10004856929Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-1000)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 900/mo (range 850-1000)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 72 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. 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£187,000

Rent Estimate (pcm)£900

Gross Yield5.74%

1y Growth-

3y Growth+3.3%

5y Growth+3.6%

10y Growth+4.6%

Last Sold Price£98,000 (2018-02-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

1SA4 0XR

Approval Rate

100%12mo

Development

low

PL/11104
Works to TPO/S48 - T5 Oak to be removed to ground level. T15 Multi-stem Ash to be removed to ground level as the tree is dead. T24 Western Red Cedar to be pruned to provide 1mtr clearance from sign and street light. T29 Ash to be removed to ground level as the tree is dead. T30 Sycamore to be removed to ground level as the tree is dead. T31 Ash to be removed to ground level as the tree is dead. T35 Elm to be pruned to provide 1mtr clearance from the street light. T37 dead stems to be removed to ground level as the tree is dead. T38 dead stems to be removed to ground level as the tree is dead. T42 Elm to be pruned to provide 1mtr clearance from the street light. T43 Ash to be removed to ground level as the tree is dead. T44 Ash to be removed to ground level as the tree is heavily in decline. T47 Ash to be removed to ground level as the tree is dead. T48 Ash to be removed to ground level as the tree is dead. T49 Ash to be removed to ground level as the tree is dead. T50 Ash to be removed to ground level as the tree is heavily in decline. T57 Ash to be removed to ground level as the tree is dead. T58 Ash to be removed to ground level as the tree is dead
Conditions
PL/11066
Conversion of existing garage into habitable space
Approved
PL/10934
Discharge of Conditions 4, 5, 6, 7 and 8 on PL/06172 (Landscaping Plan, Bat & Bird Box Details, Cycle Store Details & Noise Report)
Conditions

View Planning Timeline