Sugar Loaf Cottage, Cynghordy, Llandovery, SA20 0LP

UPRN:10004876461Detached House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band FEPC: F (28)

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

Sugar Loaf Cottage, Cynghordy, Llandovery, SA20 0LP

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

14 of 21 sources

Sale Estimate

£608,000

£578k - £639kHigh

Estimate

£608k

Range

£578k – £639k

Rent Estimate (pcm)

£1,750

£2k - £2k

Monthly

£1,750

Yield

3.50%

Verdict

Derived from HomePortfolio scores

Sugar Loaf Cottage earns an INVESTIGATE rating with HP Score 69/100. Investment score 66/100 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 NationsMarket estimates (third-party AVM)ONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

13/ 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 a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£599,950

At the asking price

Monthly rent£1,750/mo

Evidenced range £1,500-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £201,283
Net cash flow: -£813/mo
Cash on cash: -4.8%
Score at this price: -

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.

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£608,000

Rent Estimate (pcm)£1,750

Gross Yield3.50%

1y Growth-

3y Growth+1.4%

5y Growth-1.2%

10y Growth+2.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA20 0LP

Approval Rate

-12mo

Development

low

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