# 4A PENBRYN, LAMPETER, CEREDIGION, SA48 7EU

## Property details

- Slug: `c447c14` (address key hash: `c447c1404742825c295b2b66a0c21b4d2afd51d5`)
- Postcode: SA48 7EU
- Transactions on record: 2

- Tenure: Leasehold
- Property type: Flat
- Floor area: 58 m²
- EPC rating: E
- Year built: England and Wales: 1967-1975
- Last sold: £81,000 Apr 2026
- Price per m²: £1,397/m²
- Local average: £107,000 (2 sales)
- Street crime: 10 incidents within 1 mile (Aug 2026)

## Latest sale

- Price: £81,000
- Date: 2026-04-24
- Type: F
- Tenure: L

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Expiry date:** 11/08/2030
- **Current heating cost:** £746/year
- **Est. upgrade cost to C:** £1,515

### Recommendations
- E (£15)
- L2 (£1,200 - £1,800)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8101-1924-8522-2596-7803)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-04-24 | £81,000 | Flat | +6.6% | £76,388 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/5340b1c5-3c1f-8052-e063-4804a8c06ee4) |
| Sold | 2021-10-29 | £76,000 | Flat | — | £75,503 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/d4d42645-6d01-27f6-e053-6c04a8c0a572) |

*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 |
|---------|-------|------|------|
| 4A PENBRYN, LAMPETER, CEREDIGION, SA48 7EU | £81,000 | 24/04/2026 | Flat |
| 4A PENBRYN, LAMPETER, CEREDIGION, SA48 7EU | £76,000 | 29/10/2021 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| GLANYRAFON FLAT 2 CWRT DULAS, LAMPETER, CEREDIGION, SA48 7HY | £133,000 | 12/12/2025 | Flat |
| 36 BRYN YR EGLWYS, LAMPETER, CEREDIGION, SA48 7ES | £70,000 | 28/07/2022 | Flat |
| GLANYRAFON FLAT 4 CWRT DULAS, LAMPETER, CEREDIGION, SA48 7HY | £120,000 | 08/04/2022 | Flat |
| 6A PENBRYN, LAMPETER, CEREDIGION, SA48 7EU | £82,500 | 02/03/2022 | Flat |

**Area average:** £101,375 (4 sales)

## House Price Index (HM Land Registry)

*Official index for Ceredigion; Flats and maisonettes series; as of July 2026.*

- **1y growth (index):** -4.5%
- **5y growth (index):** 2%
- **10y growth (index):** 19.4%

## 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 from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Terraced House, Ffynonbedr, SA48 | £850/mo | 3 | 0.2 miles | OpenRent |
| 4 Bed Terraced House, College Street, SA48 | £1,100/mo | 4 | 0.2 miles | OpenRent |

**Average rent: £975/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 1.2% (strong)
- **Max investor price (0.8%):** £121,875
- **Target investor price (1%):** £97,500

*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 £975/mo).*

- **Gross yield:** 14.4%
- **Cost-to-rent:** 6.9×
- **Monthly cashflow:** £534/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 27.3%

*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 | 5 |
| Criminal damage and arson | 2 |
| Public order | 2 |
| Other theft | 1 |
| **Total incidents** | **10** |

*Within 1 mile during Aug 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 Carreg Hirfaen | Other | 1.2 miles | — (No rating) |
| Ysgol Y Dderi | Other | 3.1 miles | — (No rating) |
| Llanybydder School | Other | 4.1 miles | — (No rating) |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #586646
- **Address:** 4a Penbryn, Lampeter, SA48 7EU
- **Certificate Issued:** 26/08/2003
- **Work Completed:** 17/03/2003
- **Items:** 5 window(s)