Cartre, Chapel Street, Penysarn, LL69 9YR

UPRN:10013460460Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: E (53)

Data freshness:Listing· freshPrice Paid· freshOwnership· 4mo agoEPC· 6mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Cartre, Chapel Street, Penysarn, LL69 9YR

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£346,000

£328k - £363kHigh

Estimate

£346k

Range

£328k – £363k

Rent Estimate (pcm)

£950

£850 - £1k

Monthly

£950

Yield

3.35%

Verdict

Derived from HomePortfolio scores

Cartre earns an INVESTIGATE rating with HP Score 80/100. 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

68/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 2 Nov 2026

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

Valuation edge2.5/15
claims [AVM +1.7% (HIGH), sold-comps +19.8%, £/sqft +19.9%] → measured edge +0.50pp 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 12 Oct 2026
- valuation_snapshotsestimate for 10013460460· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 23.1%· as of 12 Oct 2026
Rental economics0/40
gross yield 3.4%; range width penalty ×0.67
- valuation_snapshotsrent estimate 950/mo (range 850-1100)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -866/mo, -91% 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 2 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity7.4/15
5 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

£255,000£391,000

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£340,000

At the asking price

Monthly rent£950/mo

Evidenced range £850-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £110,300
Net cash flow: -£490/mo
Cash on cash: -5.3%
Score at this price: 10

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.83 - 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 10013460460Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 23.1%Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 950/mo (range 850-1100)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 950/mo (range 850-1100)
Seller motivation could not be scored
no listing-history inputs (first published date, price changes)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£346,000

Rent Estimate (pcm)£950

Gross Yield3.35%

1y Growth-

3y Growth+4.2%

5y Growth+6.0%

10y Growth+5.2%

Last Sold Price£150,000 (2014-04-25)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningSignificant
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

-LL69 9YR

Approval Rate

-12mo

Development

FPL/2026/45
Cais llawn i godi bloc stabl ar dir ger / Full application for the erection of a stable block on land near
Pending
LUE/2025/19
Cais am Dystysgrif Datblygiad Cyfreithlon ar gyfer defnydd presennol o'r tir fel safle tymhorol ar gyfer 40 carafanau teithiol a phebyll ers dros 10 mlynedd yn / Application for a Lawful Development Certificate for the existing use of the land as a seasonal site for 40 touring caravans and tents for over 10 years at
Pending
DAG/2025/1
Cais i bennu os oes angen caniatâd blaenorol ar gyfer codi sied amaethyddol ar gyfer cadw offer ar dir yn / Application to determine whether prior approval is required for the erection of an agricultural shed for storage of implements on land at
Approved

View Planning Timeline