Manorafon, Plwmp, Llandysul, SA44 6HU

UPRN:49049570Detached House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band EEPC: E (54)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 3mo agoRisk· 2y agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 1mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

14 of 21 sources

Sale Estimate

£869,000

£826k - £913kHigh

Estimate

£869k

Range

£826k – £913k

Rent Estimate (pcm)

£3,200

£3k - £4k

Monthly

£3,200

Yield

4.39%

Verdict

Derived from HomePortfolio scores

Manorafon earns an INVESTIGATE rating with HP Score 52/100. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

52/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

34/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 29 Oct 2026

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

Valuation edge0/15
claims [AVM -0.7% (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 10 Oct 2026
- valuation_snapshotsestimate for 49049570· as of 10 Oct 2026
Rental economics0/40
gross yield 4.4%; range width penalty ×0.76
- valuation_snapshotsrent estimate 3200/mo (range 2850-3550)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,469/mo, -46% 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 29 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 119 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 29 Oct 2026
Risk & liquidity14.6/15
104 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

£656,000£1,006,000

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£875,000

At the asking price

Monthly rent£3,200/mo

Evidenced range £2,850-£3,550

Interest rate5.4%

Loan to value75%

Cash required: £297,550
Net cash flow: -£738/mo
Cash on cash: -3.0%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.08 - 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 49049570Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 3200/mo (range 2850-3550)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 29 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 29 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 3200/mo (range 2850-3550)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 119 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£869,000

Rent Estimate (pcm)£3,200

Gross Yield4.39%

1y Growth-

3y Growth+0.6%

5y Growth+2.4%

10y Growth+4.7%

Last Sold Price£330,000 (2017-09-20)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA44 6HU

Approval Rate

-12mo

Development

low

A240378
Alterations to existing bungalow in connection with low energy retrofit and as an alternative to extension proposals approved under application reference A220231, including: - Increase in ridge height of approximately 200mm to facilitate over rafter insulation - Replacement of existing roof tiles with interlocking recycled plastic slates - Larch cladding to external walls - Alterations to fenestration to suit internal alterations - Installation of stainless steel flue Please note that there is no proposal to increase the size of the existing building, nor to increase the number or size of bedrooms
Conditions
A240300
Change of use of outbuilding to the self-contained unit as an overflow annexe to the existing dwelling, including associated works
Pending
A230476
Demolition of existing farm sheds to make way for new farm shop, car park, package treatment plant and associated works
Pending

View Planning Timeline