Pen Y Bont, Llandilo, Clynderwen, SA66 7XS

UPRN:10009878443Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (45)

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

Pen Y Bont, Llandilo, Clynderwen, SA66 7XS

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

14 of 21 sources

Sale Estimate

£346,000

£277k - £415kLow

Estimate

£346k

Range

£277k – £415k

Rent Estimate (pcm)

£850

£700 - £950

Monthly

£850

Yield

2.15%

Verdict

Derived from HomePortfolio scores

Pen Y Bont earns an INVESTIGATE rating with HP Score 76/100. Investment score 60/100 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

60/ 100

Moderate

Crime Score

5/ 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 2.1%; range width penalty ×0.61
- valuation_snapshotsrent estimate 850/mo (range 700-950)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,509/mo, -178% 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
Risk & liquidity6.4/15
17 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£475,000

At the asking price

Monthly rent£850/mo

Evidenced range £700-£950

Interest rate5.4%

Loan to value75%

Cash required: £157,550
Net cash flow: -£1,015/mo
Cash on cash: -7.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.53 - 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_snapshotsrent estimate 850/mo (range 700-950)Rental economics · as of 10 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 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
Rental economics needs verification before you rely on it
rent estimate 850/mo (range 700-950)

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. 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£346,000

Rent Estimate (pcm)£850

Gross Yield2.15%

1y Growth-

3y Growth-4.2%

5y Growth-1.5%

10y Growth+4.6%

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

0SA66 7XS

Approval Rate

-12mo

Development

low

25/0245/PA
Temporary siting of a static caravan within the curtilage of Temple Druid
Approved

View Planning Timeline

Ownership

Corporate Ownership85.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£27,243

Population Density17 /km²

Owner Occupied83%

Age Distribution

0-15 16%16-64 55%65+ 29%

View Area Profile

Schools Nearby

Y.G. Maenclochog
1.1 mi
-
Nant-y-cwm Steiner School
1.7 mi
-
Ysgol Beca
2.6 mi
-
Brynconin CP
3.8 mi
-

View All Schools

Comparables

View All

1 Temple Druid Cottages
-
£195k
-
Temple Druid
-
£375k
-
3 Temple Druid Cottages
-
£178k
-
1 Temple Druid Cottages
-
£79k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN