Flat 6, Frank Lewis House, St Marys Road, Hay-on-Wye, Hereford, HR3 5EB

UPRN:10011758317Flat/MaisonetteBeds -Built before 1900

LeaseholdCouncil Tax: -EPC: D (55)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 3mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 6, Frank Lewis House, St Marys Road, Hay-on-Wye, Hereford, HR3 5EB

HP Score

/ 100

Strong

Verdict

4 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£101,000

£91k - £111kMedium

Estimate

£101k

Range

£91k – £111k

Rent Estimate (pcm)

£250

£200 - £250

Monthly

£250

Yield

2.86%

Verdict

Derived from HomePortfolio scores

Flat 6 earns an INVESTIGATE rating with HP Score 76/100. 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 leasehold. 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

76/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

16/ 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£105,000

At the asking price

Monthly rent£250/mo

Evidenced range £200-£250

Interest rate5.4%

Loan to value75%

Cash required: £32,800
Net cash flow: -£181/mo
Cash on cash: -6.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.71 - below 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£101,000

Rent Estimate (pcm)£250

Gross Yield2.86%

1y Growth-

3y Growth-4.8%

5y Growth-0.5%

10y Growth+2.6%

Last Sold Price£84,950 (2015-08-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0HR3 5EB

Approval Rate

-12mo

Development

low

P/26/1228/CAM
Creation of temporary campsite
Pending
26/24985/DISCON
Discharge of condition 10 (archaeology) pursuant to Listed Building Consent 19/17051/LBC
Pending
26/24977/DISCON
Discharge of condition 7 (Slate details) pursuant to Listed Building Consent 26/24708/LBC
Pending

View Planning Timeline