Fern Cottage, Heol Twrch, Lower Cwmtwrch, Swansea, SA9 2TD

UPRN:10011812917Detached HouseBeds -Built 2021

Tenure: -Council Tax: -EPC: B (89)

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

Fern Cottage, Heol Twrch, Lower Cwmtwrch, Swansea, SA9 2TD

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£248,000

£198k - £298kLow

Estimate

£248k

Range

£198k – £298k

Rent Estimate (pcm)

£1,350

£1k - £1k

Monthly

£1,350

Yield

3.81%

Verdict

Derived from HomePortfolio scores

Fern Cottage earns an INVESTIGATE rating with HP Score 72/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

23/ 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 a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£425,000

At the asking price

Monthly rent£1,350/mo

Evidenced range £1,250-£1,450

Interest rate5.4%

Loan to value75%

Cash required: £140,050
Net cash flow: -£500/mo
Cash on cash: -4.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.94 - 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£248,000

Rent Estimate (pcm)£1,350

Gross Yield3.81%

1y Growth+81.9%

3y Growth+1.0%

5y Growth+4.9%

10y Growth+5.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA9 2TD

Approval Rate

-12mo

Development

low

P/26/1220/FUL
Change of use of chapel to dwelling, creation of vehicular parking and other associated works
Pending
P/26/0785/HH
Demolition and reconstruction of existing side extension and erection of rear extension
Conditions
P/26/0593/DIS
Discharge of condition 14 of planning permission 21/1987/FUL
Pending

View Planning Timeline