Cartref Ni, Barn Hill Lane, New Inn, Pencader, SA39 9AW

UPRN:10024327407Bungalow Property4 bedsBuilt 2007 onwards

FreeholdCouncil Tax: Band FEPC: C (73)

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

Cartref Ni, Barn Hill Lane, New Inn, Pencader, SA39 9AW

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

£386,000

£348k - £425kMedium

Estimate

£386k

Range

£348k – £425k

Rent Estimate (pcm)

£850

£700 - £950

Monthly

£850

Yield

2.72%

Verdict

Derived from HomePortfolio scores

Cartref Ni earns an INVESTIGATE rating with HP Score 75/100. Investment score 70/100 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

70/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 6 Nov 2026

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

Valuation edge0/15
claims [AVM +2.8% (MEDIUM)] → measured edge +0.00pp 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 (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 10024327407· as of 10 Oct 2026
Rental economics0/40
gross yield 2.7%; range width penalty ×0.61
- valuation_snapshotsrent estimate 850/mo (range 700-950)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,087/mo, -128% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 270 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 6 Nov 2026
Risk & liquidity12.8/15
26 sales/12mo in area; valuation range width 20%
- 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

£281,000£431,000

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£375,000

At the asking price

Monthly rent£850/mo

Evidenced range £700-£950

Interest rate5.4%

Loan to value75%

Cash required: £122,550
Net cash flow: -£677/mo
Cash on cash: -6.6%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.67 - 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 10024327407Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 850/mo (range 700-950)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 850/mo (range 700-950)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 270 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£386,000

Rent Estimate (pcm)£850

Gross Yield2.72%

1y Growth-

3y Growth-2.3%

5y Growth+2.9%

10y Growth+2.6%

Last Sold Price£215,000 (2015-08-28)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA39 9AW

Approval Rate

-12mo

Development

low

PL/10592
Reinstatement of dwelling and associated works
Approved
PL/10201
Covered manure store/shed
Approved
PL/09812
Flat roof extension and annex extension
Approved

View Planning Timeline

Ownership

Corporate Ownership79.3%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2015-08-28
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,774

Population Density23 /km²

Owner Occupied85%

Age Distribution

0-15 14%16-64 56%65+ 30%

View Area Profile

Schools Nearby

Cae'r Felin Community School
1.7 mi
-
Ysgol Gynradd Wirfoddol Llanllwni
1.8 mi
-
Ysgol G. Llanpumsaint
5.7 mi
-
Llanybydder School
5.7 mi
-

View All Schools

Comparables

View All

Ty Heulwen Barn Hill Lane
-
£380k
-
Cartref Ni Barn Hill Lane
-
£215k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN