19 Cherwell Road, Penarth, CF64 3PE

UPRN:100100837733Detached HouseBeds -Built 1967-1975

Tenure: -Council Tax: Band GEPC: B (82)

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

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

15 of 21 sources

Sale Estimate

£915,000

£823k - £1.01MMedium

Estimate

£915k

Range

£823k – £1.01M

Rent Estimate (pcm)

£3,150

£3k - £4k

Monthly

£3,150

Yield

3.45%

Verdict

Derived from HomePortfolio scores

19 Cherwell Road earns an INVESTIGATE rating with HP Score 83/100. 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. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

83/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

6/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-0.6/15
claims [AVM -19.7% (MEDIUM), sold-comps -57.1%, £/sqft -57.0%] → measured edge -0.12pp 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100100837733· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 13.1%· as of 30 Oct 2026
Rental economics0/40
gross yield 3.5%; range width penalty ×0.72
- valuation_snapshotsrent estimate 3150/mo (range 2800-3550)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,434/mo, -77% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 32 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 & liquidity12.8/15
404 sales/12mo in area; valuation range width 20%
- 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

£821,000£1,259,000

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£1,095,000

At the asking price

Monthly rent£3,150/mo

Evidenced range £2,800-£3,550

Interest rate5.4%

Loan to value75%

Cash required: £383,050
Net cash flow: -£1,515/mo
Cash on cash: -4.7%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.85 - below 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 100100837733Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 13.1%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 3150/mo (range 2800-3550)Rental economics · as of 12 Oct 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

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 3150/mo (range 2800-3550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 32 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£915,000

Rent Estimate (pcm)£3,150

Gross Yield3.45%

1y Growth-

3y Growth+0.6%

5y Growth+2.0%

10y Growth+3.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF64 3PE

Approval Rate

-12mo

Development

low

2025/00914/FUL
External and Internal alterations to the existing dwelling, including conversion of garage and partial cladding
Approved
2025/00814/TCA
Remove a non-native Eucalyptus globulus from the back boundary wall of the property and grind the stump to a suitable depth
Approved
2024/01042/1/CD
Discharge of Condition 5 (Details / Additional Details): Planning permission re: 2024/01042/FUL - Demolition of Conservatory and part demolition of rear extension with new proposed rear extension
Approved

View Planning Timeline