28 Castle Street, Cardigan, SA43 3AE

UPRN:49000504Mid Terrace House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (55)

Data freshness:Listing· freshPrice Paid· freshPlanning· 5mo agoEPC· 6mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

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

£178,000

£170k - £187kHigh

Estimate

£178k

Range

£170k – £187k

Rent Estimate (pcm)

£700

£650 - £750

Monthly

£700

Yield

4.67%

Verdict

Derived from HomePortfolio scores

28 Castle Street earns an INVESTIGATE rating with HP Score 63/100. Investment score 64/100 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

63/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

45/ 100

Elevated

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£180,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£750

Interest rate5.4%

Loan to value75%

Cash required: £56,400
Net cash flow: -£123/mo
Cash on cash: -2.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.15 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

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

Plan

Before you offer

1. 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£178,000

Rent Estimate (pcm)£700

Gross Yield4.67%

1y Growth-

3y Growth-2.8%

5y Growth-0.6%

10y Growth+2.5%

Last Sold Price£35,000 (1999-07-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA43 3AE

Approval Rate

-12mo

Development

low

A260373
Discharge of condition 10 from planning application A240606 (Written Scheme of Investigation)
Pending
A260277
Retrospective planning for the summer house, shed, raised patio area and associated works
Pending
A260274
The proposals comprise the removal of the existing signage located on the clock elevation, currently formed of two large timber-framed panels measuring approximately 1700 x 3200mm with assumed vinyl inserts. The existing signage is to be replaced with a reduced timber-framed panel measuring 1700 x 1000mm. In addition, a modest projecting sign measuring 600 x 500mm is proposed to improve visibility at street level. All new signage will be constructed from materials and detailing appropriate to the heritage context, with the intention of reducing visual clutter and better respecting the character of the listed building.
Pending

View Planning Timeline