Cadwgan, Bryn Deri Close, Adpar, Newcastle Emlyn, SA38 9NP

UPRN:49052108Detached House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: -EPC: C (69)

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

Cadwgan, Bryn Deri Close, Adpar, Newcastle Emlyn, SA38 9NP

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

14 of 21 sources

Sale Estimate

£289,000

£274k - £303kHigh

Estimate

£289k

Range

£274k – £303k

Rent Estimate (pcm)

£700

£600 - £800

Monthly

£700

Yield

2.90%

Verdict

Derived from HomePortfolio scores

Cadwgan earns an INVESTIGATE rating with HP Score 83/100. Investment score 81/100 reflects strong 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 NationsMarket 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

83/ 100

Strong

Investment Score

81/ 100

High

Crime Score

16/ 100

Moderate

Walkability

No data

Transit & Bike

No data

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 28 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 -0.3% (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 10 Oct 2026
- valuation_snapshotsestimate for 49052108· as of 10 Oct 2026
Rental economics0/40
gross yield 2.9%; range width penalty ×0.63
- valuation_snapshotsrent estimate 700/mo (range 600-800)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -839/mo, -120% 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 28 Oct 2026
Seller motivationNot scored
context, not scored: 1 price cut(s), unknown 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 28 Oct 2026
Risk & liquidity14.6/15
37 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

£217,500£333,500

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£289,950

At the asking price

Monthly rent£700/mo

Evidenced range £600-£800

Interest rate5.4%

Loan to value75%

Cash required: £92,783
Net cash flow: -£494/mo
Cash on cash: -6.4%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.72 - 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 49052108Valuation edge · as of 10 Oct 2026
valuation_snapshotsrent estimate 700/mo (range 600-800)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 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 700/mo (range 600-800)
Seller motivation could not be scored
context, not scored: 1 price cut(s), unknown 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£289,000

Rent Estimate (pcm)£700

Gross Yield2.90%

1y Growth-

3y Growth+2.8%

5y Growth-1.7%

10y Growth+3.8%

Last Sold Price£167,000 (2016-11-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA38 9NP

Approval Rate

-12mo

Development

low

PL/11450
Proposed partial change of use of building to become that of a mixed use premises, compromising A3 use to first floor (food, drinks restaurant, wine and sports bar with snooker room) with the entire ground floor to remain as A1 use and all other associated works
Pending
PL/11099
Crown reduction and thinning of ash, sycamore and goats willow trees in rear of property in Newcastle Emlyn conservation area. Trees are becoming too large and block a lot of light from the house, the risk of collision with the house is also a factor if roots should fail or rot set into the wood. All logs will remain on sites for clients own use rash will be taken away site and chipped
Approved
PL/10615
Tree works in Newcastle Emlyn Conservation Area - 3x trees to be thinned and pruned, cutting at the most 30% of the foliage to keep the tree in good stead for healing
Approved

View Planning Timeline