# 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) |