15 Excelsior Terrace, Maerdy, Ferndale, CF43 4AP

UPRN:100100747846Terrace Property3 bedsBuilt before 1900

FreeholdCouncil Tax: Band AEPC: D (65)

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

15 Excelsior Terrace, Maerdy, Ferndale, CF43 4AP

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£134,000

£127k - £140kHigh

Estimate

£134k

Range

£127k – £140k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

9.20%

Verdict

Derived from HomePortfolio scores

15 Excelsior Terrace earns an INVESTIGATE rating with HP Score 69/100. Investment score 62/100 reflects moderate fundamentals. Crime intensity is 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)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

69/ 100

Mixed

Investment Score

62/ 100

Moderate

Crime Score

27/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 11 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge-1.6/15
claims [AVM -11.9% (HIGH), sold-comps -2.7%, £/sqft -2.6%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 11 Nov 2026
- valuation_snapshotsestimate for 100100747846· as of 11 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.3%· as of 30 Oct 2026
Rental economics33.6/40
gross yield 9.2%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1150/mo (range 1100-1200)· as of 11 Nov 2026· verify before relying on this
Stress margin7.2/30
stressed cash flow +82/mo, +7% 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 11 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 49 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 11 Nov 2026
Risk & liquidity14.7/15
137 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 £127,500

£112,500£172,500

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£149,995

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,200

Interest rate5.4%

Loan to value75%

Cash required: £46,799
Net cash flow: £290/mo
Cash on cash: 7.4%
Score at this price: 54

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.27 - 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 100100747846Valuation edge · as of 11 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 21.3%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 1150/mo (range 1100-1200)Rental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 11 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1150/mo (range 1100-1200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 49 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. Set your walk-away price before viewing - above £127,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
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£134,000

Rent Estimate (pcm)£1,150

Gross Yield9.20%

1y Growth+64.3%

3y Growth+3.2%

5y Growth+3.8%

10y Growth+6.5%

Last Sold Price£110,000 (2021-03-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF43 4AP

Approval Rate

-12mo

Development

low

26/0914/DIS
Discharge of Conditions 3 (Gigabit Broadband ), 6 (Public Footway and Off-street Parking) and 7 (Ecological Mitigation) of previously approved 25/1253 (Full planning application for proposed residential development comprising 16 dwellings, including diversion of route of public right of way (footpath 15), sustainable drainage, bin storage, vehicle parking, and associated works)
Pending
26/0757/DIS
Discharge of Condition 3 (Construction Method Statement) of planning permission 25/0817/FUL
Approved
26/0752/DIS
Discharge of Condition 5 (Remediation Strategy & Implementation Plan) of planning permission 25/0817/FUL.
Approved

View Planning Timeline