44 Cambria Street, Holyhead, LL65 1NH

UPRN:200002640887Mid Terrace House2 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (58)

Data freshness:Listing· freshPrice Paid· freshEPC· freshRisk· 2y agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£91,000

£82k - £100kMedium

Estimate

£91k

Range

£82k – £100k

Rent Estimate (pcm)

£700

£650 - £700

Monthly

£700

Yield

7.30%

Verdict

Derived from HomePortfolio scores

44 Cambria Street earns an INVESTIGATE rating with HP Score 60/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is moderate. 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

58/ 100

Elevated

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 edge-0.6/15
claims [AVM -26.4% (MEDIUM), sold-comps -25.0%, £/sqft -25.5%] → measured edge -0.12pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 200002640887· as of 12 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 1.4%· as of 22 Oct 2026
Rental economics18.4/40
gross yield 7.3%; range width penalty ×1.00
- valuation_snapshotsrent estimate 700/mo (range 650-700)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -101/mo, -14% 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
context, not scored: 0 price cut(s), 57 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 2 Nov 2026
Risk & liquidity12.9/15
187 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

£86,000£132,000

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£115,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£700

Interest rate5.4%

Loan to value75%

Cash required: £35,800
Net cash flow: £96/mo
Cash on cash: 3.2%
Score at this price: 31

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.80 - clears 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 200002640887Valuation edge · as of 12 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 1.4%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 700/mo (range 650-700)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
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026

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 700/mo (range 650-700)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 57 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£91,000

Rent Estimate (pcm)£700

Gross Yield7.30%

1y Growth+0.4%

3y Growth+2.3%

5y Growth+3.7%

10y Growth+3.6%

Last Sold Price£70,000 (2026-01-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

-LL65 1NH

Approval Rate

-12mo

Development

FPL/2026/74
Cais llawn ar gyfer newid defnydd y siop llawr gwaelod presennol (Defnydd A1) yn salon gwinedd yn / Full application for the change of use of the existing ground floor retail store (Class A1) into a nail salon at
Conditions
VAR/2026/7
Cais o dan Adran 73 i ddileu amod (03) (Manyleb ac Adroddiad Manwl ar y Gwaith Archaeolegol) o ganiatâd adeilad rhestredig rhif LBC/2025/30 (Caniatâd Adeilad Rhestredig ar gyfer newid defnydd capel segur (Dosbarth Defnydd D1) yn gampfa (Dosbarth Defnydd D2), ynghyd â newidiadau mewnol ac adnewyddu allanol ) yn / Application under Section 73 for the removal of condition (03) (Specification and Detailed Report on the Archaeological Works) of listed building consent reference LBC/2025/30 (Listed Building Consent for the change of use of redundant chapel (Use Class D1) into a gym (Use Class D2), together with internal alterations and external refurbishment) at
Approved
ADV/2026/1
Cais i leoli 2 sgrin LED arddangos mewnol yn / Application for the siting of 2 internal LED display screens at
Approved

View Planning Timeline