45 The Philog, Cardiff, CF14 1DZ

UPRN:100100123136Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£345,000

£311k - £380kMedium

Estimate

£345k

Range

£311k – £380k

Rent Estimate (pcm)

£1,900

£2k - £2k

Monthly

£1,900

Yield

7.02%

Verdict

Derived from HomePortfolio scores

45 The Philog earns an INVESTIGATE rating with HP Score 82/100. Investment score 64/100 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

7/ 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 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£325,000

At the asking price

Monthly rent£1,900/mo

Evidenced range £1,800-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: £219/mo
Cash on cash: 2.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.73 - 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£345,000

Rent Estimate (pcm)£1,900

Gross Yield7.02%

1y Growth-

3y Growth+0.5%

5y Growth+1.9%

10y Growth+3.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF14 1DZ

Approval Rate

-12mo

Development

low

26/02284/HSE
Proposed two storey side extension and internal amendment
Pending
26/02146/HSE
Erection of a double storey side extension with solar panels on the existing & proposed roof
Pending
26/02187/HSE
Ground floor rear extension.
Pending

View Planning Timeline