12 Pennar Road, Parcllyn, Cardigan, SA43 2DG

UPRN:49004209Semi-Detached House2 bedsBuilt 1950-1966

FreeholdCouncil Tax: -EPC: D (58)

Data freshness:Listing· freshPlanning· 5mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

12 Pennar Road, Parcllyn, Cardigan, SA43 2DG

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

15 of 21 sources

Sale Estimate

£199,000

£179k - £219kMedium

Estimate

£199k

Range

£179k – £219k

Rent Estimate (pcm)

£850

£800 - £950

Monthly

£850

Yield

3.24%

Verdict

Derived from HomePortfolio scores

12 Pennar Road earns an INVESTIGATE rating with HP Score 74/100. Investment score 60/100 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 NationsMarket 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

74/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a other but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£315,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£950

Interest rate5.4%

Loan to value75%

Cash required: £101,550
Net cash flow: -£475/mo
Cash on cash: -5.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.80 - 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£199,000

Rent Estimate (pcm)£850

Gross Yield3.24%

1y Growth-

3y Growth-2.8%

5y Growth-0.6%

10y Growth+2.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA43 2DG

Approval Rate

-12mo

Development

low

A260385
- Side extension and re-roof of an existing flat roofed garage - Toilet within garage - Window and door re-organisation
Pending
A260128
Discharge of condition 4 from planning permission A230833 (CEMP submission)
Conditions
A260086
Resubmission of proposed single storey front extension to include porch, rear extension to include shower room and utility room, and associated works
Pending

View Planning Timeline