32 High Street, Tywyn, LL36 9AE

UPRN:100100021996Terrace Property5 bedsBuilt 1900-1929

FreeholdCouncil Tax: -EPC: D (63)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£254,000

£241k - £266kHigh

Estimate

£254k

Range

£241k – £266k

Rent Estimate (pcm)

£1,100

£1k - £1k

Monthly

£1,100

Yield

5.18%

Verdict

Derived from HomePortfolio scores

32 High Street earns an INVESTIGATE rating with HP Score 73/100. Investment score 64/100 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)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

73/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

19/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 7 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 -0.4% (HIGH)] → 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 (HIGH confidence) · snapshot 31 Oct 2026
- valuation_snapshotsestimate for 100100021996· as of 31 Oct 2026
Rental economics1.3/40
gross yield 5.2%; range width penalty ×0.93
- valuation_snapshotsrent estimate 1100/mo (range 1050-1200)· as of 31 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -397/mo, -36% 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 7 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 222 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 7 Nov 2026
Risk & liquidity14.7/15
63 sales/12mo in area; valuation range width 10%
- 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

£191,000£293,000

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£255,000

At the asking price

Monthly rent£1,100/mo

Evidenced range £1,050-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £80,550
Net cash flow: -£99/mo
Cash on cash: -1.5%
Score at this price: 16

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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 100100021996Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1100/mo (range 1050-1200)Rental economics · as of 31 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 7 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 7 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 1100/mo (range 1050-1200)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 222 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£254,000

Rent Estimate (pcm)£1,100

Gross Yield5.18%

1y Growth-19.5%

3y Growth+0.5%

5y Growth+0.0%

10y Growth+1.8%

Last Sold Price£95,000 (2005-02-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

1LL36 9AE

Approval Rate

-12mo

Development

low

C26/0392/09/LL
Estyniad i Dŷ Tafarn ynghyd â gwaith allanol cysylltiedig / Extension to Public House and associated external works
Pending
C26/0385/09/RA
Cais i rhyddhau Amod 6(Cynllun Tirlunio a phlannu coed) o ganiatad cynllunio C24/1027/09/LL / Application to release Condition 6 (Landscaping and tree planting scheme) from planning permission C24/1027/09/LL
Pending
C26/0378/09/LL
Codi ffens derfyn, giatiau, trac mynediad ac adeilad storio peiriannau, ynghyd a gosod 3 cynhwysydd llongau 40 troedfedd i bwrpas storio / Erection of perimeter fencing, gates, access track and plant storage building, and siting of 3no. 40ft shipping containers for storage.
Pending

View Planning Timeline