4 Porthamal Gardens, Cardiff, CF14 6AH

UPRN:100100128503Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: -EPC: C (71)

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

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£462,000

£439k - £485kHigh

Estimate

£462k

Range

£439k – £485k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

4.99%

Verdict

Derived from HomePortfolio scores

4 Porthamal Gardens 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)HM Land Registry sales matched to addressONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

82/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

13/ 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£505,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,950-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £168,050
Net cash flow: -£251/mo
Cash on cash: -1.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - below 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£462,000

Rent Estimate (pcm)£2,100

Gross Yield4.99%

1y Growth-

3y Growth+0.5%

5y Growth+1.9%

10y Growth+3.6%

Last Sold Price£173,950 (2003-01-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF14 6AH

Approval Rate

-12mo

Development

low

26/02342/WTCA
Ginkgo Biloba Front garden of the above address. Crown thinning to allow more light to penetrate to the front hedge, (an important feature of the Garden Village) and the wildlife pond in the front garden. Our agent TR33 e3stimaytes that 25 to 30% reduction and shaping of the crown is needed. The tree is also beginning to encroach on the roof of the front extension to the house. You have previously been sent photographs of the tree showing the density of the crown and its position in the street scene.
Pending
26/02281/HSE
Rear structure/ extension with glazed panels forming a covered space.
Pending
26/02285/WTCA
Removal of tree in rear garden
Pending

View Planning Timeline