20 St John's Drive, Porthcawl, CF36 5PW

UPRN:100100516697Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: -EPC: D (65)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£367,000

£349k - £385kHigh

Estimate

£367k

Range

£349k – £385k

Rent Estimate (pcm)

£1,650

£2k - £2k

Monthly

£1,650

Yield

5.37%

Verdict

Derived from HomePortfolio scores

20 St John's Drive earns an INVESTIGATE rating with HP Score 67/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is moderate. 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

67/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

49/ 100

Elevated

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 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 -0.5% (HIGH), sold-comps -5.4%, £/sqft -5.6%] → 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 9 Oct 2026
- valuation_snapshotsestimate for 100100516697· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%· as of 31 Oct 2026
Rental economics2.6/40
gross yield 5.4%; range width penalty ×0.90
- valuation_snapshotsrent estimate 1650/mo (range 1550-1800)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -474/mo, -29% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 104 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 3 Nov 2026
Risk & liquidity14.7/15
207 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

£277,000£424,500

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£369,000

At the asking price

Monthly rent£1,650/mo

Evidenced range £1,550-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £120,450
Net cash flow: -£103/mo
Cash on cash: -1.0%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.32 - 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 100100516697Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.3%Valuation edge · as of 31 Oct 2026
valuation_snapshotsrent estimate 1650/mo (range 1550-1800)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

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 1650/mo (range 1550-1800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 104 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. 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£367,000

Rent Estimate (pcm)£1,650

Gross Yield5.37%

1y Growth-12.5%

3y Growth+1.5%

5y Growth+5.5%

10y Growth+5.7%

Last Sold Price£190,000 (2004-07-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

3CF36 5PW

Approval Rate

-12mo

Development

low

P/26/564/DOC
Approval of details for conditions 7 (traffic calming), 8 (lining and signing TRO), 9 (improved Active Travel route), 11 (service delivery access), 12 (engineering details), 25 (vehicular access set back), 27 (soft landscaping works) and 30 (lighting scheme) for P/25/553/BCB
Pending
P/26/520/FUL
Rear dormer with Juliet balcony and recessed balcony
Pending
P/26/458/FUL
Demolition of existing garage and construction of new single storey front/side and rear extension
Pending

View Planning Timeline