Apartment 3, Cathedral Heights, 111 Stow Hill, Newport, NP20 4ED

UPRN:10096455658Flat/Maisonette1 bedsBuilt 2024

Tenure: -Council Tax: Band AEPC: C (70)

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

Apartment 3, Cathedral Heights, 111 Stow Hill, Newport, NP20 4ED

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

15 of 21 sources

Sale Estimate

£156,000

£149k - £164kHigh

Estimate

£156k

Range

£149k – £164k

Rent Estimate (pcm)

£650

£600 - £750

Monthly

£650

Yield

4.88%

Verdict

Derived from HomePortfolio scores

Apartment 3 earns an INVESTIGATE rating with HP Score 41/100. Crime intensity is elevated. 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 listingsMarket estimates (third-party AVM)ONS 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

41/ 100

Mixed

Investment Score

No data

100

Crime Score

100/ 100

Elevated

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 3 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 -2.6% (HIGH)] → 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 (HIGH confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 10096455658· as of 10 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.74
- valuation_snapshotsrent estimate 650/mo (range 600-750)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -327/mo, -50% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 37 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 3 Nov 2026
Risk & liquidity14.7/15
489 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

£120,000£184,000

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£160,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£750

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: -£90/mo
Cash on cash: -2.2%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.20 - 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 10096455658Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 650/mo (range 600-750)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 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 650/mo (range 600-750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 37 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. 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£156,000

Rent Estimate (pcm)£650

Gross Yield4.88%

1y Growth-

3y Growth+4.4%

5y Growth+2.6%

10y Growth+3.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0NP20 4ED

Approval Rate

-12mo

Development

low

26/0846
DEMOLITION OF EXISTING RETAINING WALL, WIDENING OF DRIVEWAY TO CREATE A LARGER PARKING AREA AND CONSTRUCTION OF NEW RETAINING WALL
Pending
26/0842
NMA APPLICATION TO VARY CONDITION 1 (APPROVED PLANS) OF 24/0264 PROPOSED FIRST FLOOR EXTENSION. AMENDMENTS INCLUDE CHANGES TO MATERIALS, EXTERNAL WORKS AND BOUNDARY TREATMENTS
Pending
26/0821
ERECTION OF BOUNDARY FENCE (RETROSPECTIVE)
Pending

View Planning Timeline