11 Pennard Road, Kittle, Swansea, SA3 3JG

UPRN:10010020609Detached PropertyBeds -Built 1900-1929

Tenure: -Council Tax: -EPC: D (57)

Data freshness:Listing· freshEPC· 6mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

11 Pennard Road, Kittle, Swansea, SA3 3JG

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£526,000

£421k - £631kLow

Estimate

£526k

Range

£421k – £631k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

3.60%

Verdict

Derived from HomePortfolio scores

11 Pennard Road earns an INVESTIGATE rating with HP Score 96/100. Crime intensity is very low. Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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

96/ 100

Strong

Investment Score

No data

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 3.6%; range width penalty ×0.76
- valuation_snapshotsrent estimate 1800/mo (range 1600-2000)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,338/mo, -74% 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 4 Nov 2026
Risk & liquidity9.3/15
273 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£599,950

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,600-£2,000

Interest rate5.4%

Loan to value75%

Cash required: £201,283
Net cash flow: -£779/mo
Cash on cash: -4.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.89 - 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 1800/mo (range 1600-2000)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 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 1800/mo (range 1600-2000)

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£526,000

Rent Estimate (pcm)£1,800

Gross Yield3.60%

1y Growth-

3y Growth+0.3%

5y Growth+2.1%

10y Growth+3.6%

Last Sold Price£249,999 (2020-10-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA3 3JG

Approval Rate

-12mo

Development

low

2026/1650/FUL
Demolition of existing single storey rear wing and construction of a two storey rear extension
Pending
2026/1580/DOC
Discharge of condition 4 (ecological enhancement) of planning permission 2024/1871/S73 granted 20th November 2024
Approved
2026/1271/FUL
Retention of enclosure of previously approved pergola structure with additional fencing to create private hire venue, storage area and mobile bar.
Approved

View Planning Timeline