5 Pembroke Terrace, High Street, St. Dogmaels, Cardigan, SA43 3EE

UPRN:100101012620Mid Terrace House2 bedsBuilt -

FreeholdCouncil Tax: Band CEPC: -

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 2y agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

5 Pembroke Terrace, High Street, St. Dogmaels, Cardigan, SA43 3EE

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

£213,000

£191k - £234kMedium

Estimate

£213k

Range

£191k – £234k

Rent Estimate (pcm)

£800

£750 - £900

Monthly

£800

Yield

5.19%

Verdict

Derived from HomePortfolio scores

5 Pembroke Terrace earns an INVESTIGATE rating with HP Score 75/100. Investment score 64/100 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 SourcesPortal 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

75/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

18/ 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£185,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£900

Interest rate5.4%

Loan to value75%

Cash required: £58,000
Net cash flow: -£71/mo
Cash on cash: -1.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.28 - 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£213,000

Rent Estimate (pcm)£800

Gross Yield5.19%

1y Growth-

3y Growth-2.8%

5y Growth-0.6%

10y Growth+2.5%

Last Sold Price£80,500 (2003-12-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA43 3EE

Approval Rate

-12mo

Development

low

26/0368/PA
Demolition of existing outbuildings. Single story extension with solar panels. AMENDED PLANS
Pending
26/0172/PA
Alterations & Extension
Approved
25/1107/PA
Variation of condition 1 (approved plans) of planning permission 24/0753/PA (Variation of condition 2 (approved plans) of planning application 22/0845/PA (Erection of a new dwelling).
Approved

View Planning Timeline