Oakley, Penrhyndeudraeth, LL48 6AU

UPRN:200003188375Bungalow Property3 bedsBuilt 1930-1949

FreeholdCouncil Tax: -EPC: E (53)

Data freshness:Listing· freshPlanning· 5mo agoOwnership· freshEPC· 6mo agoRisk· 2y agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

17 of 21 sources

Sale Estimate

£236,000

£225k - £248kHigh

Estimate

£236k

Range

£225k – £248k

Rent Estimate (pcm)

£600

£500 - £650

Monthly

£600

Yield

3.60%

Verdict

Derived from HomePortfolio scores

Oakley earns an INVESTIGATE rating with HP Score 76/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

64/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 11 Nov 2026

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

Check before relying on this score: the estimate sits 15% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +15.3% (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 11 Nov 2026
- valuation_snapshotsestimate for 200003188375· as of 11 Nov 2026
Rental economics0/40
gross yield 3.6%; range width penalty ×0.70; the estimate this rent rides on sits 15% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 600/mo (range 500-650)· as of 11 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 15% above the ask on the same snapshot - verify the rent describes this home· as of 11 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -533/mo, -89% 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 11 Nov 2026
Seller motivationNot scored
no listing-history inputs (first published date, price changes)
Risk & liquidity12.5/15
19 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

£150,000£230,000

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£200,000

At the asking price

Monthly rent£600/mo

Evidenced range £500-£650

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: -£260/mo
Cash on cash: -5.0%
Score at this price: 12

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.89 - 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 200003188375Valuation edge · as of 11 Nov 2026
valuation_snapshotsrent estimate 600/mo (range 500-650)Rental economics · as of 11 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 15% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 11 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 11 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

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 600/mo (range 500-650)
Rental economics needs verification before you rely on it
sale estimate 15% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£236,000

Rent Estimate (pcm)£600

Gross Yield3.60%

1y Growth+75.0%

3y Growth-5.1%

5y Growth+1.7%

10y Growth+3.7%

Last Sold Price£149,000 (2018-08-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0LL48 6AU

Approval Rate

-12mo

Development

low

C26/0181/08/LL
ESTYNIAD I YSTAFELL ARDDANGOS CEIR I GREU SWYDDFA / EXTENSION TO CAR SHOWROOM TO PROVIDE OFFICE ACCOMMODATION
Pending
C25/0703/08/LL
Cais llawn ar gyfer dyluniad wedi'i ddiwygio i gynlluniau a gymeradwywyd ar gyfer annedd newydd o dan gyfeirnodau cynllunio C06M/0142/AM a C11/0392/08/MG. Full Planning for amended design to approved plans for new dwelling under planning references C06M/0142/AM and C11/0392/08/MG.
Conditions
C25/0650/08/LL
Cynigion i addasu'r cynllun mewnol presennol a newidiadau allanol i annedd bresennol 'Tŷ Fry'. Dymchwel adeilad 'Y Cwt Mochyn' a'i ddisodli ag adeilad newydd i ar gyfer iwtiliti newydd, ystafell foeler a storfa goed. Bydd y strwythur presennol a elwir yn 'Tŷ Bach' yn cael ei droi i ddarparu annecs i'r prif eiddo, gan gynnwys estyniad cefn. Ymestyn y gweithdy presennol a elwir yn 'Y Beudy' i greu modurdy domestig ar gyfer dau gar. Proposals to modify existing internal layout and external alterations to existing dwelling 'Ty Fry'. Existing structure referred to as the ‘Pigsty’ to be demolished and replaced with new building to house new Utility, Boiler Room and Log Store. Existing structure referred to as the ‘Ty Bach’ to be converted to provide an annex to the main property, to include a small extension. Extend existing workshop referred to as 'Y Beudy' to create two car domestic garage.
Conditions

View Planning Timeline