First Floor Flat, 12 Station Terrace, Lampeter, SA48 7HH

UPRN:49071362Flat/MaisonetteBeds -Built before 1900

Tenure: -Council Tax: -EPC: D (55)

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

First Floor Flat, 12 Station Terrace, Lampeter, SA48 7HH

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

16 of 21 sources

Sale Estimate

£152,000

£122k - £182kLow

Estimate

£152k

Range

£122k – £182k

Rent Estimate (pcm)

£600

£550 - £700

Monthly

£600

Yield

2.72%

Verdict

Derived from HomePortfolio scores

First Floor Flat earns an INVESTIGATE rating with HP Score 64/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is moderate. 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 NationsOfcom mobile coverageMarket estimates (third-party AVM)ONS 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

64/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

40/ 100

Elevated

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£265,000

At the asking price

Monthly rent£600/mo

Evidenced range £550-£700

Interest rate5.4%

Loan to value75%

Cash required: £84,050
Net cash flow: -£479/mo
Cash on cash: -6.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.67 - 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£152,000

Rent Estimate (pcm)£600

Gross Yield2.72%

1y Growth-

3y Growth-1.8%

5y Growth+0.2%

10y Growth+3.6%

Last Sold Price£130,000 (2017-09-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseWithheld

View Full Risk Report

Planning Activity

Recent Apps

0SA48 7HH

Approval Rate

-12mo

Development

low

A260153
Proposed change of use of property from D1 (Non-Residential Institution) to C3 use (Dwelling Houses) to create 2 dwellings.
Pending
A250741
Extension to existing dwelling
Pending
A250611
Conversion of existing House in Multiple Occupation (C4) to two self-contained flats (C3) and conversion of existing workshop studios (B2) to two ground floor residential units (C3), with associated internal alterations, thermal upgrades including external and internal insulation, roof works, and reconfiguration of existing retail units to create one adaptable commercial unit (A1) capable of subdivision.
Pending

View Planning Timeline