95 Lower Thomas Street, Merthyr Tydfil, CF47 0DA

UPRN:100100586395Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: D (67)

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

95 Lower Thomas Street, Merthyr Tydfil, CF47 0DA

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£110,000

£104k - £115kHigh

Estimate

£110k

Range

£104k – £115k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

9.27%

Verdict

Derived from HomePortfolio scores

95 Lower Thomas Street earns an INVESTIGATE rating with HP Score 49/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is elevated. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

49/ 100

Mixed

Investment Score

66/ 100

Moderate

100

Crime Score

100/ 100

Elevated

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£109,995

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £34,299
Net cash flow: £217/mo
Cash on cash: 7.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.29 - 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£110,000

Rent Estimate (pcm)£850

Gross Yield9.27%

1y Growth-

3y Growth+3.0%

5y Growth+5.5%

10y Growth+5.6%

Last Sold Price£84,000 (2019-12-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningSignificant
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

1CF47 0DA

Approval Rate

0%12mo

Development

low

P/26/0253
Non-material amendment to planning permission P/26/0177 to increase the size of the approved foundation pads, with no changes to the above-ground elements of the development or the supporting pillars as shown on the approved plans.
Pending
P/26/0248
Change of use of first and second floor offices and storage to eight one bedroom apartments. Includes second floor extension and associated works.
Pending
P/26/0247
Discharge of condition 4 (method statement relating to the refurbishment of wooden windows and doors) of planning permission P/25/0308 for the installation of a ventilation system and refurbishment of Joseph Parry Cottage including, sand blast floor and ceiling, decorate the walls, new rear door, new accessible toilet, new vinyl floor, refurbish all windows including secondary glazing and new re-lay flag stones
Pending

View Planning Timeline