The Smithy, Mydroilyn, Lampeter, SA48 7QY

UPRN:49037705Semi-Detached House2 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: E (41)

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

The Smithy, Mydroilyn, Lampeter, SA48 7QY

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

16 of 21 sources

Sale Estimate

£273,000

£260k - £287kHigh

Estimate

£273k

Range

£260k – £287k

Rent Estimate (pcm)

£800

£700 - £900

Monthly

£800

Yield

3.62%

Verdict

Derived from HomePortfolio scores

The Smithy earns an INVESTIGATE rating with HP Score 58/100. Investment score 56/100 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

34/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing address is a marketing pitch, not a property address ('Mydroilyn, Nr Aberaeron SA48') - identity unverifiable, valuation evidence describes the pinned UPRN, not the product being sold

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£265,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£900

Interest rate5.4%

Loan to value75%

Cash required: £84,050
Net cash flow: -£341/mo
Cash on cash: -4.9%
Score at this price: -

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.

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£273,000

Rent Estimate (pcm)£800

Gross Yield3.62%

1y Growth-

3y Growth-1.8%

5y Growth+0.2%

10y Growth+3.6%

Last Sold Price£258,000 (2021-10-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA48 7QY

Approval Rate

-12mo

Development

low

A210937
Change of use of building to self catering holiday accommodation
Conditions
A210608
Dymchwel estyniad a sied presennol ac adeiladu estyniad un llawr i ochr y ty presennol ac estyniad dwy lawr yn y cefn. Demolition of existing extension and shed and construction of single storey side extension to existing house and two storey rear extension.
Conditions
A210043
Extension to dwelling
Conditions

View Planning Timeline