Derwen Gam, Cynghordy, Llandovery, SA20 0LS

UPRN:10004876413Detached House4 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band EEPC: D (66)

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

Derwen Gam, Cynghordy, Llandovery, SA20 0LS

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£479,000

£431k - £526kMedium

Estimate

£479k

Range

£431k – £526k

Rent Estimate (pcm)

£1,400

£1k - £2k

Monthly

£1,400

Yield

3.46%

Verdict

Derived from HomePortfolio scores

Derwen Gam earns an INVESTIGATE rating with HP Score 73/100. Investment score 70/100 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

73/ 100

Mixed

Investment Score

70/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 5 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 -1.3% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10004876413· as of 13 Oct 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.70
- valuation_snapshotsrent estimate 1400/mo (range 1200-1550)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,147/mo, -82% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 221 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 5 Nov 2026
Risk & liquidity12.9/15
32 sales/12mo in area; valuation range width 20%
- 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

£364,000£558,000

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£485,000

At the asking price

Monthly rent£1,400/mo

Evidenced range £1,200-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £161,050
Net cash flow: -£668/mo
Cash on cash: -5.0%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.86 - 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 10004876413Valuation edge · as of 13 Oct 2026
valuation_snapshotsrent estimate 1400/mo (range 1200-1550)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 1400/mo (range 1200-1550)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 221 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. 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£479,000

Rent Estimate (pcm)£1,400

Gross Yield3.46%

1y Growth-

3y Growth+1.4%

5y Growth-1.2%

10y Growth+2.3%

Last Sold Price£247,500 (2015-02-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

1SA20 0LS

Approval Rate

100%12mo

Development

low

PL/11469
Installing an outside tap in the breeze block wall of the attached barn next to the EV charging point. The tap will connect through the breeze block wall from the existing water pipe in the attached barn. (see Appendix 1, photos 1 and 2; Appendix 2: floor plan, and Appendix 3: Elevations point 1). Reinstating the kitchen in the curved room at the front left of the house (currently a reception room). A hole through an internal wall will be required for water in and out for the sink and dishwasher (see Appendix 1: photos 3 and 4). This hole will be placed next to the existing radiator pipes to preserve the aesthetics of the room. The water out will connect to the nearest drain within the toilet block floor. This requires a shallow trench in the toilet block floor (has modern tiles) (see Appendix 1: photo 5 and Appendix 2: floor plan). This pipe work does not alter any of the front, side or rear elevation of the house, as it will connect to the toilet block drains
Pending
PL/11430
Change of use of land to domestic curtilage associated with Bron Y Felin and the siting of three ancillary shepherd huts for use as a home office, ancillary accommodation and storage
Pending
PL/10897
Conversion of outbuilding to provide ancillary accommodation for use in conjunction with the main dwelling house
Approved

View Planning Timeline