Springfield, High Street, Cilgerran, Cardigan, SA43 2SG

UPRN:100101012489End Terrace House4 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: F (29)

Data freshness:Listing· freshPlanning· 1mo agoEPC· 6mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Springfield, High Street, Cilgerran, Cardigan, SA43 2SG

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£280,000

£266k - £294kHigh

Estimate

£280k

Range

£266k – £294k

Rent Estimate (pcm)

£1,450

£1k - £2k

Monthly

£1,450

Yield

6.33%

Verdict

Derived from HomePortfolio scores

Springfield earns an INVESTIGATE rating with HP Score 74/100. Investment score 60/100 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

19/ 100

Moderate

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£275,000

At the asking price

Monthly rent£1,450/mo

Evidenced range £1,350-£1,550

Interest rate5.4%

Loan to value75%

Cash required: £87,550
Net cash flow: £76/mo
Cash on cash: 1.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.56 - 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£280,000

Rent Estimate (pcm)£1,450

Gross Yield6.33%

1y Growth-

3y Growth-2.8%

5y Growth-0.6%

10y Growth+2.5%

Last Sold Price£325,000 (2021-11-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

1SA43 2SG

Approval Rate

100%12mo

Development

low

26/0419/CL
Certificate of Lawfulness
Pending
26/0337/DC
Discharge of condition 4 (Details of kitchen and plant equipment) of planning permission 24/0553/PA (Proposed conversion and extension of dwelling to A3 Cafe on ground floor and flat (C3) on first floor of Ty Llew. Rebuild existing outbuilding to form toilet and bin storey and the creation of one parking space to the rear of the Post House).
Approved
26/0252/PA
Erection of a dwelling
Pending

View Planning Timeline