Llygad yr Haul, Whitemill, Carmarthen, SA32 7HH

UPRN:10004866397Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band DEPC: C (80)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Llygad yr Haul, Whitemill, Carmarthen, SA32 7HH

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£741,000

£593k - £890kLow

Estimate

£741k

Range

£593k – £890k

Rent Estimate (pcm)

£2,350

£2k - £3k

Monthly

£2,350

Yield

3.67%

Verdict

Derived from HomePortfolio scores

Llygad yr Haul earns an INVESTIGATE rating with HP Score 72/100. Investment score 67/100 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)ONS 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

72/ 100

Mixed

Investment Score

67/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.9% on contractual rent (listing-disclosed tenancy)
- listing_factscontractual rent 2500/mo (tenanted)· as of 4 Nov 2026
Stress margin0/30
stressed cash flow -1,537/mo, -61% 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 4 Nov 2026
Risk & liquidity9.2/15
61 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£769,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,100-£2,650

Interest rate5.4%

Loan to value75%

Cash required: £260,450
Net cash flow: -£968/mo
Cash on cash: -4.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.91 - 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

listing_factscontractual rent 2500/mo (tenanted)Rental economics · as of 4 Nov 2026
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£741,000

Rent Estimate (pcm)£2,350

Gross Yield3.67%

1y Growth-

3y Growth-1.7%

5y Growth+0.0%

10y Growth+3.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

1SA32 7HH

Approval Rate

-12mo

Development

low

PL/10732
Discharge of Condition 2 on Appeal Decision CAS-04648-F1B1V4 (Biodiversity Enhancement)
Conditions
PRE/03011
Renewal of CL
Conditions
PRE/02411
Renewal of Certified Location
Approved

View Planning Timeline