What kind of home is 20 Swan Bank, HR3 5DW?

20 Swan Bank, HR3 5DW is a 3-bedroom mid-terrace house.

When did 20 Swan Bank, HR3 5DW last change hands?

20 Swan Bank, HR3 5DW last sold for £390,000 in January 2022, around 5 years ago. Land Registry has 3 sales on record going back to £65,000 in February 1997. Source: HM Land Registry.

Has 20 Swan Bank, HR3 5DW appreciated in value?

Across 3 sales between February 1997 and January 2022, 20 Swan Bank, HR3 5DW rose from £65,000 to £390,000, a change of £325,000. That works out to roughly +7.4% per year compounded over 25 years. Source: HM Land Registry.

What energy rating does 20 Swan Bank, HR3 5DW have?

The current EPC rating for 20 Swan Bank, HR3 5DW is D with a score of 62 out of 100, lodged in August 2021. The assessor estimates the property could reach a B. Source: EPC Register.

How big is 20 Swan Bank, HR3 5DW?

20 Swan Bank, HR3 5DW has a recorded floor area of 119 m² (1,281 sq ft), around 40 m² per bedroom. Source: EPC Register.

What heating system does 20 Swan Bank, HR3 5DW use?

The latest EPC at 20 Swan Bank, HR3 5DW records mains gas as the main heating fuel. Source: EPC Register.

What is the council tax band for 20 Swan Bank, HR3 5DW?

20 Swan Bank, HR3 5DW is in council tax band D.

Which area is 20 Swan Bank, HR3 5DW in?

20 Swan Bank, HR3 5DW sits in Hay-on-wye, Hereford, Hereford. It falls within the HR3 postcode district.

What is crime like near 20 Swan Bank, HR3 5DW?

Police records around 20 Swan Bank, HR3 5DW show an average of 23 reported crimes per month over the last 12 months. Violent crime makes up roughly 49% of reports, the most common category. The overall trend is falling (26% versus the prior period). Source: Police UK.

What is the nearest station to 20 Swan Bank, HR3 5DW?

The closest bus stop to 20 Swan Bank, HR3 5DW is Hay Castle, 297m away. In total there are 13 bus stops within the surrounding area.

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20 Swan Bank, Hay On Wye, Hereford, HR3 5DW

3 sales on record

Estimated value

£438,000

Since the 2022 sale (£390,000)+12%
Against HR3 5DW's recent median (£230,000)+90%

Newest record on this page: July 2022. Land Registry and EPC registers update monthly, so this page can trail them by 2–3 months.

Learn about this valuation

Property type

Mid terrace

Bedrooms

Bathroom

Floor area

119 m²

1281 sq ft

Energy rating

Score 62

Council tax

Band D

Tenure

Owner Occupied

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Valuation

About this valuation

How the figure is worked out and what it's based on. If you know this home, you can tell other visitors what you think it's worth.

Our estimate

£438,000

Against its 2022 sale (£390,000)+12%
Against HR3 5DW's recent median (£230,000)+90%

Your note and figure are shown publicly on this page.

How the estimate is made

The estimate for 20 Swan Bank is modelled from its 119 m² EPC floor area, its 3 recorded sales and recent sales of comparable homes in HR3 5DW. It is an automated estimate, not a survey or mortgage valuation: condition, layout and improvements that aren't on record can move the real figure either way.

What it's based on

Floor area
119 m² from the EPC lodged in August 2021
Sales of this home
3 sales recorded, the latest in 2022
Recent sales in HR3 5DW
5 sales, median £230,000 (2022–2013)

This page or the full report?

Data	This page	Full report
Sales	Latest sale shown: July 2022	Latest available records, read when you order
Valuation	Estimate from the last refresh	Analysed against comparable sales
Planning	None on this home	Full history, plus nearby schemes
Flood risk	Not shown	Included

Price

Sales history & valuation

Every recorded sale of this home, how its price has moved, and what neighbouring properties have sold for.

Latest sale on 20 Swan Bank was the highest on Land Registry record across the postcode.

Sales timeline

18 January 2022Most recent
£390,000
+88.0%over 16 years
14 November 2005
£207,500
+219.2%over 8 years
7 February 1997
£65,000

Median price across the last 5 sales in HR3 5DW: £230,000 (2022–2013).

Nearby sales in HR3 5DW

Risks

What this page doesn't show

1 potential issue has already been flagged for 20 Swan Bank, Hay On Wye, Hereford, HR3 5DW. The detail, evidence and what to ask about it are in the Risks Report.

Larger development activity nearbyIn report
Flood risk from rivers, sea and surface waterIn report
Subsidence and ground-stability signalsIn report
Refusals, enforcement and big schemes nearbyIn report

One time fee only - money back guarantee

Overview

About 20 Swan Bank

A plain-English summary derived from public records, EPC certificates, sold prices and local data.

20 Swan Bank is a three-bedroom mid-terrace house in Hay-On-Wye, Hereford, Hereford (HR3 5DW). It has a recorded floor area of 119 m² (around 1281 sq ft), construction records dating it to before 1900 and council tax band D. The latest certificate (August 2021) shows a D (score 62), on the cusp of jumping into the C band. The recommended improvements would lift it to B (score 82), a 2-band jump. Other recorded features include outbuildings.

Across 1997–2022, sale prices on this property compounded at 7.4% per year. Today's modelled estimate of £438,000 is 12.3% above the 2022 sale price. On a £-per-square-foot basis, the last sale (£304/sq ft) was about 59.2% above the typical sold price in the postcode. Most recent transfer: January 2022 at £390,000. That sale was during the post-pandemic price surge, when transactions cleared materially above pre-2020 trend.

Specifications

What this property has

Pulled from EPC certificates, claim submissions and our property model. Empty categories are hidden — we only show what's known.

Inside

Bedrooms3
Bathrooms1
Dining roomYes
Utility roomYes
CloakroomYes
FireplaceYes

Outside

Private gardenYes
OutbuildingsYes

Building

Heating systemGas

Before you decide

Everything you need to know about 20 Swan Bank

The true value, the hidden risks and the full sale history, in one report.

Larger development activity nearby

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The data behind every report

Energy

Energy performance

Every EPC certificate filed against this property — current rating, recorded improvements, and where there's headroom to reach a higher band.

Recommended upgrades on file would lift this property by multiple EPC bands.

Current Certificate

Aug 2021

EPC Rating

D62

Main Heating

Gas

Main Fuel

Gas

Hot Water

Good

Windows

Average

CO2 Emissions

5.5 t/year

Occupancy

Owner Occupied

Certificate validity

Valid until 23 August 2031

4 years remaining

Planning

Planning history

Applications and permits filed against 20 Swan Bank, Hay On Wye, Hereford, HR3 5DW, sourced from the PlanIt planning register.

20 Swan Bank has no planning applications on record.

But the area is active

5 notable applications nearby — larger schemes and conversions that could reshape the street. The report maps them all.

On the street

Versus other Swan Bank homes

Four headline reads against 11 similar houses on this street, drawn from the latest EPC and Land Registry data.

20 Swan Bank is notably below the street on years held.

Price per m²

£3,277

Street avg £2,398

Above

Floor Area

119 m²

Street avg 114 m²

Below

Habitable Rooms

5 rooms

Street avg 5 rooms

On par

CO₂ Emissions

5.5 t/year

Street avg 6.2 t/year

Below

Area

The neighbourhood at a glance

A condensed read of the local area. Each tile links through to the full breakdown on the Hereford district page.

Full Hereford report

Daytime road noise here sits well below conversation level — a quiet pocket of the postcode.

Crime

23/mo

Falling year-on-year across the wider district.

Nearest stop

0.3 km

Hay Castle — bus stop.

Nearest stops

Hay CastleBus stop297m
Hay Fire StationBus stop328m
Hay-on-Wye ClockTowerBus stop384m
Clock TowerBus stop406m

Most reported crime locally

Violence & Sexual Offences135 reports49%
Anti-social Behaviour32 reports12%
Burglary24 reports9%
Criminal Damage & Arson20 reports7%

Go deeper on the local area

A Local Area report breaks down crime, transport links, schools and air quality in depth.

Noise

Road noise across the postcode

Modelled day and night-time noise levels around HR3 5DW from Defra's strategic mapping. The pin marks this postcode's centroid.

Daytime· 07:00 – 23:00

41.7dB

Low

Night-time road noise heatmap for HR3 5DW

Night-time· 23:00 – 07:00

35.1dB

Low

55 dB

60 dB

65 dB

70 dB

75 dB

80 dB

Defra Road Noise Strategic Mapping, Round 4

Get a survey for this property

Level 3 Building Survey

Victorian-eraMid-Terrace HouseEPC DPre-1919 buildExtended multiple times (2+ extensions)Permanent outbuildings

Because the property was built before 1919, has been extended more than once, and has permanent outbuildings, we believe a Level 3 building survey should be considered.

From £1,020 · Includes VAT

Comparables

Similar properties nearby

A handful of close matches in the same postcode area, ranked by likeness on bedrooms, type and floor area.

£477k

1 Brookside, Glasbury

HR3 5NF

3 bed

£342k

1 Begwyns Bluff, Clyro

HR3 5SR

3 bed

£333k

1 Coronation Terrace, Cusop, Hay On Wye

HR3 5RD

3 bed1 bath

£301k

1 Black Lion Green, Hay On Wye

HR3 5AR

3 bed1 bath

£435k

1 Buttercup Meadow, Clyro

HR3 5JZ

4 bed2 bath

£448k

1 Chancery Court, Heol Y Dwr, Hay On Wye

HR3 5BP

4 bed

£377k

1 Baskerville Court, Clyro

HR3 5SS

4 bed

£346k

1 Bookers Edge, Newport Street, Hay On Wye

HR3 5FF

4 bed3 bath

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Method

How to read this page

Where every figure above comes from, how current it is and what it can't tell you.

Valuation method in detail

How the estimate is made: The estimate for 20 Swan Bank is modelled from its 119 m² EPC floor area, its 3 recorded sales and recent sales of comparable homes in HR3 5DW. It is an automated estimate, not a survey or mortgage valuation: condition, layout and improvements that aren't on record can move the real figure either way.
Where sold prices come from: Sold prices are HM Land Registry Price Paid Data, which covers residential sales in England and Wales since 1995. 3 sales are recorded for 20 Swan Bank. Sales normally appear two to three months after completion, so the most recent ones take time to show up anywhere.
Reading the EPC: Energy Performance Certificates rate homes from A (most efficient) to G and last 10 years. The latest one for 20 Swan Bank was lodged in August 2021 at band D and is valid until August 2031. Floor area, heating and insulation details on this page come from it.
Planning records: Planning applications are collected from local authority registers through PlanIt. None is matched to 20 Swan Bank. Councils sometimes file applications under a different address format, and applications on neighbouring land aren't listed here; the report covers both.
Area figures: Crime is police-recorded street-level data over the last 12 months, which places each incident at an approximate point. Schools and stops are measured in a straight line from HR3 5DW. Road noise is Defra's strategic noise modelling, averaged across the postcode.
Council tax band: 20 Swan Bank is in council tax band D. Bands are set by the Valuation Office Agency from historic values (1 April 1991 in England, 1 April 2003 in Wales), not today's price; the amount you pay depends on the council's rate for the band.

FAQ

Common questions

The questions buyers, sellers and homeowners most often ask about 20 Swan Bank, Hay On Wye, Hereford, HR3 5DW. Each answer is also embedded as structured data for search engines.

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