Whitcliffe House, 2 Whitcliffe Drive, Penarth, CF64 5RY

UPRN:100100843689Detached House4 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band IEPC: D (61)

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

Whitcliffe House, 2 Whitcliffe Drive, Penarth, CF64 5RY

HP Score

/ 100

Strong

Verdict

today

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

Evidence

16 of 21 sources

Sale Estimate

£1,338,000

£1.27M - £1.41MHigh

Estimate

£1.34M

Range

£1.27M – £1.41M

Rent Estimate (pcm)

£4,650

£4k - £5k

Monthly

£4,650

Yield

4.13%

Verdict

Derived from HomePortfolio scores

Whitcliffe House earns an INVESTIGATE rating with HP Score 83/100. Investment score 68/100 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)HM Land Registry sales matched to addressONS 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

68/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM -0.9% (HIGH), sold-comps -40.0%, £/sqft -40.0%] → measured edge +0.00pp 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 9 Nov 2026
- valuation_snapshotsestimate for 100100843689· as of 9 Nov 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.8%· as of 7 Nov 2026
Rental economics0/40
gross yield 4.1%; range width penalty ×0.73
- valuation_snapshotsrent estimate 4650/mo (range 4100-5200)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -2,408/mo, -52% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 223 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 6 Nov 2026
Risk & liquidity14.6/15
404 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 sensitivity

£1,012,500£1,552,500

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£1,350,000

At the asking price

Monthly rent£4,650/mo

Evidenced range £4,100-£5,200

Interest rate5.4%

Loan to value75%

Cash required: £485,050
Net cash flow: -£1,337/mo
Cash on cash: -3.3%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.02 - 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 100100843689Valuation edge · as of 9 Nov 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 17.8%Valuation edge · as of 7 Nov 2026
valuation_snapshotsrent estimate 4650/mo (range 4100-5200)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 4650/mo (range 4100-5200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 223 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£1,338,000

Rent Estimate (pcm)£4,650

Gross Yield4.13%

1y Growth-

3y Growth+0.6%

5y Growth+2.0%

10y Growth+3.7%

Last Sold Price£800,000 (2015-02-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0CF64 5RY

Approval Rate

-12mo

Development

low

2025/00914/FUL
External and Internal alterations to the existing dwelling, including conversion of garage and partial cladding
Approved
2025/00258/TPO
Work to Tree covered by Tree Preservation Order 1988 No. 01 : Sycamore - Reduce/ pollard height back to previous points but tidy up points, and reduce sides in to new pollard points approximately 1m inside previous points to shape
Approved
2024/01062/FUL
Demolition of single storey garage to side and rear, and rear single storey porch. Construct new single garage and utility room to side and two storey rear extension
Approved

View Planning Timeline