97 Lower Thomas Street, Merthyr Tydfil, CF47 0DA

UPRN:100100586397TerracedBeds -Built 1900-1929

FreeholdCouncil Tax: Band BEPC: D (68)

Data freshness:Listing· freshPrice Paid· freshPlanning· freshEPC· 1mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021Council Tax· 4mo ago

97 Lower Thomas Street, Merthyr Tydfil, CF47 0DA

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£156,000

£140k - £172kMedium

Estimate

£156k

Range

£140k – £172k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

13.71%

Verdict

Derived from HomePortfolio scores

97 Lower Thomas Street earns an INVESTIGATE rating with HP Score 47/100. Investment score 62/100 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

47/ 100

Mixed

Investment Score

62/ 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£105,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,150-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: £476/mo
Cash on cash: 17.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 3.39 - 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£156,000

Rent Estimate (pcm)£1,200

Gross Yield13.71%

1y Growth-

3y Growth+3.0%

5y Growth+5.5%

10y Growth+5.6%

Last Sold Price£38,000 (1997-07-04)

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/26/0242
Front and rear dormer extensions, hip to gable extension and rear single storey extension
Pending
P/26/0241
Discharge of condition 3 (biodiversity enhancement) of planning permission P/26/0130
Pending
P/26/0239
Refurbishment of building, and first and second floor extensions to create 4 new flats (Use Class C3), 3 offices (Use Class A2) and 1 commercial space (Use Class A3)
Pending

View Planning Timeline