103 Heol-y-Coed, Rhiwbina, Cardiff, CF14 6HS

UPRN:100100127215Semi-Detached House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band FEPC: D (67)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· freshEPC· 2mo agoRisk· 2y agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

103 Heol-y-Coed, Rhiwbina, Cardiff, CF14 6HS

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: AVOID, on a scale of Buy, Investigate, Avoid.
Significant risk factors

Evidence

17 of 21 sources

Sale Estimate

£485,000

£460k - £509kHigh

Estimate

£485k

Range

£460k – £509k

Rent Estimate (pcm)

£2,250

£2k - £2k

Monthly

£2,250

Yield

5.57%

Verdict

Derived from HomePortfolio scores

103 Heol-y-Coed earns an AVOID rating with HP Score 82/100. 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 covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

60/ 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£485,000

At the asking price

Monthly rent£2,250/mo

Evidenced range £2,100-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £161,050
Net cash flow: -£79/mo
Cash on cash: -0.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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£485,000

Rent Estimate (pcm)£2,250

Gross Yield5.57%

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
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF14 6HS

Approval Rate

-12mo

Development

low

26/02373/WTTPFP
T1 Oak situated in rear garden, recently storm damaged, the tree has lost two major limbs leaving the remaining up right stem with very little holding wood. Section fell as close as possible to ground level.
Pending
26/02369/NMA
Proposed Non-Material Amendment to Planning Permission 25/01743/HSE - To install additional bay window, bifold doors and alter master bedroom window positions
Pending
26/02348/DOC
Discharge of Condition 4 (Physical Samples of new roof slates) of 24/00329/LBC.
Pending

View Planning Timeline