4 Zoar Terrace, Pentwyn Deintyr, Treharris, CF46 5DH

UPRN:100100594050Terrace Property2 bedsBuilt 1900-1929

FreeholdCouncil Tax: -EPC: D (61)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 2y agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

4 Zoar Terrace, Pentwyn Deintyr, Treharris, CF46 5DH

HP Score

/ 100

Strong

Verdict

today

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

Evidence

15 of 21 sources

Sale Estimate

£129,000

£123k - £136kHigh

Estimate

£129k

Range

£123k – £136k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

9.23%

Verdict

Derived from HomePortfolio scores

4 Zoar Terrace earns an INVESTIGATE rating with HP Score 81/100. 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)ONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

81/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 9 Nov 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM -0.8% (HIGH), sold-comps +20.7%, £/sqft +20.9%] → measured edge +0.50pp 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 11 Nov 2026
- valuation_snapshotsestimate for 100100594050· as of 11 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 11.4%· as of 28 Oct 2026
Rental economics33.8/40
gross yield 9.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1000/mo (range 950-1050)· as of 11 Nov 2026· verify before relying on this
Stress margin5.7/30
stressed cash flow +57/mo, +6% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), 106 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 9 Nov 2026
Risk & liquidity14.6/15
139 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 sensitivityScores 70+ up to £114,000

£97,500£149,500

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£130,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £40,400
Net cash flow: £254/mo
Cash on cash: 7.5%
Score at this price: 57

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.28 - 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 100100594050Valuation edge · as of 11 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 11.4%Valuation edge · as of 28 Oct 2026
valuation_snapshotsrent estimate 1000/mo (range 950-1050)Rental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
rent estimate 1000/mo (range 950-1050)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 106 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 →flood, subsidence, crime, environment - the full domain

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £114,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.

Valuation & Market

Sale Estimate£129,000

Rent Estimate (pcm)£1,000

Gross Yield9.23%

1y Growth-

3y Growth+6.7%

5y Growth+5.2%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF46 5DH

Approval Rate

-12mo

Development

low

P/26/0229
Proposed Replacement Conservatory/Garden Room, First-Floor En-Suite Extension and Associated Alterations
Rejected
P/26/0192
Variation of conditions 1 and 3 of permission P/24/0033 to amend the landscaping scheme and works to the platform.
Conditions
P/26/0147
Single storey rear extension
Approved

View Planning Timeline