Actually not true, simply containing the name doesn=t make it personal data, the Durant ruling makes it quite clear that the information has to be biographical about the individual and the as snagging is about the house not the person, wouldn't make it the person's PD. The person's name would be PD but the stuff about the house wouldn't.
Your example of 'Fred' would be PD - its about him but just mention of a person in an email/document etc. doesn't make that their PD and to say it does is frankly nonsense but since you're playing on the experience and 'I know better than you card' here I guess my 15+ years as a DP Officer in the public sector doing SARs on a daily basis and with DP and FOI qualifications mean less than your experience doing IT in schools.
Mines the one with well thumbed and annotated copies of the DPA98, FOI, DPA2018 and GDPR in the pockets