Victoria House, 4 Victoria Terrace, Main Street, Bishop Monkton, Harrogate, HG3 3QR

UPRN:10003021171End Terrace House3 bedsBuilt before 1900

FreeholdCouncil Tax: -EPC: D (68)

Data freshness:Price Paid· freshPlanning· 3mo agoEPC· 1mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

Victoria House, 4 Victoria Terrace, Main Street, Bishop Monkton, Harrogate, HG3 3QR

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£504,000

£403k - £604kLow

Estimate

£504k

Range

£403k – £604k

Rent Estimate (pcm)

£2,200

£2k - £2k

Monthly

£2,200

Yield

3.64%

Verdict

Derived from HomePortfolio scores

Victoria House earns an INVESTIGATE rating with HP Score 64/100. Investment score 49/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (14/100). 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

49/ 100

Mixed

Crime Score

5/ 100

Low

Walkability

14/ 100

Low

Transit & Bike

Transit 12Bike 24

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 3.6%; range width penalty ×0.84
- valuation_snapshotsrent estimate 2200/mo (range 2000-2400)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,572/mo, -71% 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 27 Oct 2026
Risk & liquidity9.3/15
344 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£725,000

At the asking price

Monthly rent£2,200/mo

Evidenced range £2,000-£2,400

Interest rate5.4%

Loan to value75%

Cash required: £245,050
Net cash flow: -£924/mo
Cash on cash: -4.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.90 - 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_snapshotsrent estimate 2200/mo (range 2000-2400)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 27 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 27 Oct 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2200/mo (range 2000-2400)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£504,000

Rent Estimate (pcm)£2,200

Gross Yield3.64%

1y Growth-

3y Growth-2.5%

5y Growth-0.3%

10y Growth+2.2%

Last Sold Price£320,000 (2019-03-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1HG3 3QR

Approval Rate

-12mo

Development

low

26/06155/DISCON
Approval of details under condition 3 (PART DISCHARGE- door details only) of planning permission 26/00314/LB Removal of exterior second front doorway and porch. Interior ground floor alterations including creation of an en-suite bathroom. Interior first floor alterations including creation of an en-suite bathroom, reconfigured house bathroom, and removal of second house bathroom to form new hallway connecting 2 no. previously inaccessible bedrooms.
Pending
26/05616/TCON
Crown Reduction from 7.4 metres to 4.5 metres of 1 no. Goat Willow tree (T1) within Bishop Monkton Conservation Area.
Approved
26/05562/FUL
Installation of solar panels on the roof of the detached garage.
Pending

View Planning Timeline

Ownership

Corporate Ownership84.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2019-03-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

10 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density69 /km²

Owner Occupied82%

Age Distribution

0-15 16%16-64 53%65+ 31%

View Area Profile

Schools Nearby

Bishop Monkton Church of England Primary School
0.1 mi
Good
Burton Leonard Church of England Primary School
1.6 mi
-
Outwood Primary Academy Greystone
2.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Moorside Primary School & Nursery
2.7 mi
Good

7 of 15 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Victoria Cottage, 1 Victoria Terrace
-
£380k
-
4 Victoria Terrace
-
£320k
-
3 Victoria Terrace
-
£300k
-
3 Victoria Terrace
-
£242k
-

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