Oakridge, Penybryn, Cardigan, SA43 2RX

UPRN:10009878046Detached Property4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band EEPC: G (20)

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

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£452,000

£430k - £475kHigh

Estimate

£452k

Range

£430k – £475k

Rent Estimate (pcm)

£2,350

£2k - £3k

Monthly

£2,350

Yield

6.27%

Verdict

Derived from HomePortfolio scores

Oakridge earns an INVESTIGATE rating with HP Score 72/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

2 live adverts with different prices, types or bedrooms on one UPRN (£325,000-£450,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£450,000

At the asking price

Monthly rent£2,350/mo

Evidenced range £2,200-£2,500

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: £108/mo
Cash on cash: 0.9%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.55 - clears 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£452,000

Rent Estimate (pcm)£2,350

Gross Yield6.27%

1y Growth-

3y Growth-2.8%

5y Growth-0.6%

10y Growth+2.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA43 2RX

Approval Rate

-12mo

Development

low

25/1043/PA
Erection of one dwelling
Rejected
25/0673/AG
Forestry building for storage of timber, machinery and tools.
Approved
25/0619/PA
Access, appearance, landscaping, site layout and scale of 4 dwellings (Reserved Matters of Outline Planning Permission for Residential Development Ref.19/0714/PA) (Amended) - AMENDED PLANS
Pending

View Planning Timeline