20 Lime Walk, Ripon, HG4 2NF

UPRN:10003013775Mid Terrace House3 bedsBuilt 1950-1966

FreeholdCouncil Tax: Band BEPC: C (72)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Mixed

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

20 of 21 sources

Sale Estimate

£189,000

£180k - £199kHigh

Estimate

£189k

Range

£180k – £199k

Rent Estimate (pcm)

£800

£750 - £850

Monthly

£800

Yield

5.05%

Verdict

Derived from HomePortfolio scores

20 Lime Walk earns an INVESTIGATE rating with HP Score 74/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (52/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsOfcom mobile coverageMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

74/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

11/ 100

Low

Walkability

52/ 100

Moderate

Transit & Bike

Transit 25Bike 18

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge0/15
claims [AVM -0.5% (HIGH)] → measured edge +0.00pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 14 Nov 2026
- valuation_snapshotsestimate for 10003013775· as of 14 Nov 2026
Rental economics0.4/40
gross yield 5.1%; range width penalty ×0.95
- valuation_snapshotsrent estimate 800/mo (range 750-850)· as of 14 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -343/mo, -43% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 77 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 9 Nov 2026
Risk & liquidity14.6/15
260 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£142,500£218,500

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£189,950

At the asking price

Monthly rent£800/mo

Evidenced range £750-£850

Interest rate5.4%

Loan to value75%

Cash required: £59,585
Net cash flow: -£87/mo
Cash on cash: -1.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.25 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 10003013775Valuation edge · as of 14 Nov 2026
valuation_snapshotsrent estimate 800/mo (range 750-850)Rental economics · as of 14 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 800/mo (range 750-850)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 77 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£189,000

Rent Estimate (pcm)£800

Gross Yield5.05%

1y Growth-

3y Growth+1.2%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price£177,000 (2021-07-08)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HG4 2NF

Approval Rate

-12mo

Development

low

26/07141/SCREEN
Request for an EIA Screening Opinion for the proposed development of 190no. dwellings, provision of public open space, a locally equipped area for play (LEAP), landscaping and associated infrastructure, together with earthworks, landscaping and biodiversity enhancements within the southern land parcels (Parcels 2 and 3).
Pending
26/06271/FUL
Replacement single storey rear extension. Two storey side and rear extension. Raising of roof level over existing two storey rear projection. New front Boundary wall and gates. Replacement render roof tiles external doors and windows to existing.
Pending
26/06114/TCON
Lateral Reduction (by 2m) of 1 no Beech Tree (T1) within Ripon Conservative Area.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2021-07-08
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

21 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density4,597 /km²

Owner Occupied51%

Age Distribution

0-15 17%16-64 55%65+ 28%

View Area Profile

Schools Nearby

Moorside Primary School & Nursery
0.2 mi
Good
Outwood Primary Academy Greystone
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Wilfrid's Catholic Primary School, a Voluntary Academy
0.8 mi
Inspected as St Wilfrid's Catholic Primary School (URN 121638) on 3 Jul 2018
Outwood Academy Ripon
0.9 mi
GoodConcerns

5 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

20 Lime Walk
-
£177k
-
17 Lime Walk
-
£172k
-
13 Lime Walk
-
£175k
-
22 Lime Walk
-
£183k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN