223 Penstone Court, Chandlery Way, Cardiff, CF10 5NQ

UPRN:10008902834Purpose Built Flat2 bedsBuilt 2003-2006

LeaseholdCouncil Tax: -EPC: D (68)

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

223 Penstone Court, Chandlery Way, Cardiff, CF10 5NQ

HP Score

/ 100

Strong

Verdict

7 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£221,000

£199k - £243kMedium

Estimate

£221k

Range

£199k – £243k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

5.38%

Verdict

Derived from HomePortfolio scores

223 Penstone Court earns an INVESTIGATE rating with HP Score 86/100. Investment score 70/100 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 leasehold. 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

86/ 100

Strong

Investment Score

70/ 100

High

Crime Score

6/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 2 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge-0.6/15
claims [AVM -31.2% (MEDIUM), sold-comps -34.3%, £/sqft -34.3%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 10008902834· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.4%· as of 30 Oct 2026
Rental economics2.9/40
gross yield 5.4%; range width penalty ×0.97
- valuation_snapshotsrent estimate 1300/mo (range 1250-1400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -398/mo, -31% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 95 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 2 Nov 2026
Risk & liquidity12.9/15
202 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

£217,500£333,500

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£290,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,250-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £92,800
Net cash flow: -£79/mo
Cash on cash: -1.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - 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 10008902834Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.4%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 1300/mo (range 1250-1400)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 1300/mo (range 1250-1400)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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£221,000

Rent Estimate (pcm)£1,300

Gross Yield5.38%

1y Growth-13.5%

3y Growth+0.7%

5y Growth-0.8%

10y Growth+1.2%

Last Sold Price£194,000 (2006-06-02)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF10 5NQ

Approval Rate

-12mo

Development

low

26/02287/FUL
Change of use from Class A1 (Shops) to Class B1 (Office).
Pending
26/02225/FUL
Planning consent for the phased development of a wellbeing hub to include the installation of a floating pontoon accommodating outdoor swimming pools, saunas and associated decking; a multifunctional building incorporating cafe and restaurant uses, wellbeing and relaxation facilities and other associated uses; provision of food and drink kiosks; cycle parking, public realm and landscaping works; and associated works and infrastructure
Pending
26/02226/LBC
Listed building consent for the phased development of a wellbeing hub to include the installation of a floating pontoon accommodating outdoor swimming pools, saunas and associated decking; a multifunctional building incorporating cafe and restaurant uses, wellbeing and relaxation facilities and other associated uses; provision of food and drink kiosks; cycle parking, public realm and landscaping works; and associated works and infrastructure
Pending

View Planning Timeline