Terraced 4 sales on record

19 NORTH ROAD

CARDIGAN, CEREDIGION, SA43 1LS

£180,000

Location

Map view View on Google Maps View on OpenStreetMap Street View SA43 1LS

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Shop	Oojufink	0.0 miles
Bus stop	Coleg Ceredigion	0.1 miles
Train station	Pontgoch	10.1 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

83 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£180,000 Mar 2026

Price per m²

£2,169/m²

Local average

£163,875 (8 sales)

Street crime

54 incidents within 1 mile (Jul 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 14/06/2018

Expiry date: 13/06/2028

Current heating cost: £590/year

Potential heating cost: £488/year

Est. upgrade cost to C: £21,500

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Cavity wall insulation (£500 - £1,500)
50 mm internal or external wall insulation (£4,000 - £14,000)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	27/03/2026	£180,000	Terraced	+0.8%	£173,104 to June 2026	View transaction
Sold	05/11/2021	£178,500	Terraced	+42.8%	£192,246 to June 2026	View transaction
Sold	14/02/2019	£125,000	Terraced	+38.9%	£166,951 to June 2026	View transaction
Sold	02/09/2011	£90,000	Terraced	—	£131,116 to June 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
listed	14/01/2026	£189,950
sold	01/01/2026	£180,000
sold	01/01/2021	£178,500
sold	01/01/2019	£125,000
sold	01/01/2011	£90,000

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
ISCOED FEIDRFAIR, CARDIGAN, CEREDIGION, SA43 1EB	£190,000	28/11/2025	Terraced
75 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LT	£220,000	21/09/2023	Terraced
BODEIFION PRIORY STREET, CARDIGAN, CEREDIGION, SA43 1BU	£185,000	03/03/2023	Terraced
3 PRIORY STREET, CARDIGAN, CEREDIGION, SA43 1BZ	£200,000	22/11/2022	Terraced
RICHMOND NAPIER STREET, CARDIGAN, CEREDIGION, SA43 1ED	£135,000	21/09/2022	Terraced
38 FEIDRFAIR, CARDIGAN, CEREDIGION, SA43 1EB	£179,950	24/06/2022	Terraced
15 PENDRE, CARDIGAN, CEREDIGION, SA43 1JL	£140,000	20/06/2022	Terraced
4 WILLIAMS ROW, CARDIGAN, CEREDIGION, SA43 1BY	£171,500	31/03/2022	Terraced
119 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LT	£250,000	10/03/2022	Terraced
27 WILLIAM STREET, CARDIGAN, CEREDIGION, SA43 1EL	£138,000	22/02/2022	Terraced
75 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LT	£235,000	05/11/2021	Terraced

Area average: £185,859 (11 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth -30.4%

10y growth 50.2%

House Price Index (HM Land Registry — official index, not sold-price averages): Ceredigion. Series: Terraced. As of June 2026.

1y (index) 2%

5y (index) 16.4%

10y (index) 48.3%

Rental Range

Estimated market rent for Ceredigion. Low = conservative, Realistic = average, Optimistic = best case.

Low £651/mo

Realistic £723/mo

Optimistic £795/mo

Based on Local Authority from postcode lookup → Ceredigion.

Rental Comparables

Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Terraced House, Alltfach, SA43	£1,200/mo	2	1.12 miles	OpenRent

Average rent: £1,200/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.67%

Max investor price (0.8%) £150,000

Target investor price (1%) £120,000

Gross yield 8%

Cost-to-rent ratio 12.5×

Monthly cashflow £346/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Registered land (INSPIRE)

This location falls inside an HM Land Registry INSPIRE registered freehold polygon.

Plot: ~133 m² (0.03 acres)

Source: HM Land Registry INSPIRE Index Polygons.

Street-level crime

Category	Count
Violence and sexual offences	29
Public order	9
Criminal damage and arson	5
Anti-social behaviour	4
Shoplifting	2
Drugs	1
Other crime	1
Other theft	1
Possession of weapons	1
Theft from the person	1
Total incidents	54

Within 1 mile during Jul 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Ysgol Iau Aberteifi	Other	0.1 miles	— (No rating)
Ysgol Babanod Aberteifi	Other	0.1 miles	— (No rating)
Ysgol Uwchradd Aberteifi	Other	0.1 miles	— (No rating)
St Dogmaels	Other	1.0 miles	— (No rating)
Ysgol Y Ferwig	Other	2.0 miles	— (No rating)

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 19 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LS

## Property details

- Slug: `2f8876a` (address key hash: `2f8876a8983e939e9df4f13c4f3d90661febe27c`)
- Postcode: SA43 1LS
- Transactions on record: 4

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 3
- Bathrooms: 1
- Floor area: 83 m²
- EPC rating: D
- Year built: England and Wales: before 1900
- Last sold: £180,000 Mar 2026
- Price per m²: £2,169/m²
- Local average: £163,875 (8 sales)
- Street crime: 54 incidents within 1 mile (Jul 2026)

## Latest sale

- Price: £180,000
- Date: 2026-03-27
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 13/06/2028
- **Current heating cost:** £590/year
- **Est. upgrade cost to C:** £21,500

### Recommendations
- B (£500 - £1,500)
- Q (£4,000 - £14,000)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0572-2884-6562-9598-2445)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-27 | £180,000 | Terraced | +0.8% | £173,104 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b84-8335-b8d0-e063-4704a8c08d98) |
| Sold | 2021-11-05 | £178,500 | Terraced | +42.8% | £192,246 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/d4d42646-7f84-27f6-e053-6c04a8c0a572) |
| Sold | 2019-02-14 | £125,000 | Terraced | +38.9% | £166,951 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/8355f009-8b86-55c5-e053-6b04a8c0d090) |
| Sold | 2011-09-02 | £90,000 | Terraced | — | £131,116 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/48ce926a-2e2a-44b8-af76-ca2f779f3614) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 19 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LS | £180,000 | 27/03/2026 | Terraced |
| 19 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LS | £178,500 | 05/11/2021 | Terraced |
| 19 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LS | £125,000 | 14/02/2019 | Terraced |
| 19 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LS | £90,000 | 02/09/2011 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [170991110](http://87.117.209.195:8080/listings/075e68c)

| Event | Date | Price |
|-------|------|-------|
| listed | 2026-01-14 | £189,950 |
| sold | 2026-01-01 | £180,000 |
| sold | 2021-01-01 | £178,500 |
| sold | 2019-01-01 | £125,000 |
| sold | 2011-01-01 | £90,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| ISCOED FEIDRFAIR, CARDIGAN, CEREDIGION, SA43 1EB | £190,000 | 28/11/2025 | Terraced |
| 75 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LT | £220,000 | 21/09/2023 | Terraced |
| BODEIFION PRIORY STREET, CARDIGAN, CEREDIGION, SA43 1BU | £185,000 | 03/03/2023 | Terraced |
| 3 PRIORY STREET, CARDIGAN, CEREDIGION, SA43 1BZ | £200,000 | 22/11/2022 | Terraced |
| RICHMOND NAPIER STREET, CARDIGAN, CEREDIGION, SA43 1ED | £135,000 | 21/09/2022 | Terraced |
| 38 FEIDRFAIR, CARDIGAN, CEREDIGION, SA43 1EB | £179,950 | 24/06/2022 | Terraced |
| 15 PENDRE, CARDIGAN, CEREDIGION, SA43 1JL | £140,000 | 20/06/2022 | Terraced |
| 4 WILLIAMS ROW, CARDIGAN, CEREDIGION, SA43 1BY | £171,500 | 31/03/2022 | Terraced |
| 119 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LT | £250,000 | 10/03/2022 | Terraced |
| 27 WILLIAM STREET, CARDIGAN, CEREDIGION, SA43 1EL | £138,000 | 22/02/2022 | Terraced |
| 75 NORTH ROAD, CARDIGAN, CEREDIGION, SA43 1LT | £235,000 | 05/11/2021 | Terraced |

**Area average:** £185,859 (11 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -30.4%
- **10y growth:** 50.2%

## House Price Index (HM Land Registry)

*Official index for Ceredigion; Terraced series; as of June 2026.*

- **1y growth (index):** 2%
- **5y growth (index):** 16.4%
- **10y growth (index):** 48.3%

## Rental Range

*ONS Price Index of Private Rents (Ceredigion). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £651/mo
- **Realistic:** £723/mo
- **Optimistic:** £795/mo

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Terraced House, Alltfach, SA43 | £1,200/mo | 2 | 1.12 miles | OpenRent |

**Average rent: £1,200/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.67% (weak for cashflow)
- **Max investor price (0.8%):** £150,000
- **Target investor price (1%):** £120,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,200/mo).*

- **Gross yield:** 8%
- **Cost-to-rent:** 12.5×
- **Monthly cashflow:** £346/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 29 |
| Public order | 9 |
| Criminal damage and arson | 5 |
| Anti-social behaviour | 4 |
| Shoplifting | 2 |
| Drugs | 1 |
| Other crime | 1 |
| Other theft | 1 |
| Possession of weapons | 1 |
| Theft from the person | 1 |
| **Total incidents** | **54** |

*Within 1 mile during Jul 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Ysgol Iau Aberteifi | Other | 0.1 miles | — (No rating) |
| Ysgol  Babanod  Aberteifi | Other | 0.1 miles | — (No rating) |
| Ysgol Uwchradd Aberteifi | Other | 0.1 miles | — (No rating) |
| St Dogmaels | Other | 1.0 miles | — (No rating) |
| Ysgol Y Ferwig | Other | 2.0 miles | — (No rating) |