Ground Floor, 28B Mill Street, Aberystwyth, SY23 1HZ

UPRN:49053811Flat/Maisonette2 bedsBuilt 1996-2002

Tenure: -Council Tax: -EPC: C (78)

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

Ground Floor, 28B Mill Street, Aberystwyth, SY23 1HZ

HP Score

/ 100

Strong

Verdict

today

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

Evidence

14 of 21 sources

Sale Estimate

£216,000

£173k - £260kLow

Estimate

£216k

Range

£173k – £260k

Rent Estimate (pcm)

£800

£700 - £850

Monthly

£800

Yield

3.21%

Verdict

Derived from HomePortfolio scores

Ground Floor earns an INVESTIGATE rating with HP Score 76/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is low. Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

76/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

27/ 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 is a house but the valuation basis is the whole flat 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£299,000

At the asking price

Monthly rent£800/mo

Evidenced range £700-£850

Interest rate5.4%

Loan to value75%

Cash required: £95,950
Net cash flow: -£455/mo
Cash on cash: -5.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.79 - 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£216,000

Rent Estimate (pcm)£800

Gross Yield3.21%

1y Growth-

3y Growth+0.3%

5y Growth+3.8%

10y Growth+3.2%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SY23 1HZ

Approval Rate

-12mo

Development

low

A260370
CONVERSION OF BUARTH HALL TO RESIDENTIAL ACCOMMODATION AND ASSOCIATED WORKS
Pending
A260350
The proposed development consists of a new build detached block of flats, four storeys in height, containing 16 no flats (including 4 no. mobility compliant flats at GF level) with associated car parking and communal amenity spaces
Pending
A260325
Change of use of an existing dwelling to a 6 bedroom, 6 person C4 HMO
Pending

View Planning Timeline