Cartrefle, Tresaith, Cardigan, SA43 2JL

UPRN:49061538Semi-Detached House7 bedsBuilt before 1900

FreeholdCouncil Tax: Band FEPC: D (55)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

17 of 21 sources

Sale Estimate

£852,000

£681k - £1.02MLow

Estimate

£852k

Range

£681k – £1.02M

Rent Estimate (pcm)

£3,750

£3k - £4k

Monthly

£3,750

Yield

Verdict

Derived from HomePortfolio scores

Cartrefle earns an INVESTIGATE rating with HP Score 74/100. Investment score 68/100 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

68/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

No data

Transit & Bike

No data

Opportunity

Not scored as an opportunity

We will not put a number on this one.

8 live adverts with different prices, types or bedrooms on one UPRN (£60,000-£150,000) - several homes collapsed onto one address, so the UPRN's valuation describes none of them

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£99,950

At the asking price

Monthly rent£3,750/mo

Evidenced range £3,400-£4,050

Interest rate5.4%

Loan to value75%

Cash required: £31,286
Net cash flow: £2,259/mo
Cash on cash: 86.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 11.12 - clears 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£852,000

Rent Estimate (pcm)£3,750

Gross Yield-

1y Growth-4.5%

3y Growth-2.8%

5y Growth-0.6%

10y Growth+2.5%

Last Sold Price£845,000 (2023-11-29)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

4SA43 2JL

Approval Rate

100%12mo

Development

low

A260109
Non-Material Amendments to planning permission A250379 to include: - Bedroom 3 reduced in size, roof simplified and side window omitted - Straightened boundary wall - Multi function room doors replaced with window - Proposed extension external walls now all in render (no stonework) - Covered patio area has become part of kitchen and now has French doors
Approved
A260148
Removal of condition 6 from planning permission A200933 (surface water connection)
Pending
A260149
Proposed extension to existing dwelling
Pending

View Planning Timeline