15 St Andrews Gate, Kirkby Malzeard, Ripon, HG4 3SP

UPRN:10003022221Semi-Detached House3 bedsBuilt 1996-2002

FreeholdCouncil Tax: Band DEPC: D (66)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

15 St Andrews Gate, Kirkby Malzeard, Ripon, HG4 3SP

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£363,000

£345k - £381kHigh

Estimate

£363k

Range

£345k – £381k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

5.10%

Verdict

Derived from HomePortfolio scores

15 St Andrews Gate earns an INVESTIGATE rating with HP Score 63/100. Investment score 52/100 reflects moderate 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

63/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

8/ 100

Low

Walkability

14/ 100

Low

Transit & Bike

Transit 8Bike 5

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 -0.6% (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 9 Nov 2026
- valuation_snapshotsestimate for 10003022221· as of 9 Nov 2026
Rental economics0.7/40
gross yield 5.1%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1550/mo (range 1400-1650)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -531/mo, -34% 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), 75 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 & liquidity14.7/15
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

£274,000£419,500

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£365,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,400-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £119,050
Net cash flow: -£159/mo
Cash on cash: -1.6%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - clears 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 10003022221Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1550/mo (range 1400-1650)Rental economics · as of 9 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 1550/mo (range 1400-1650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 75 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£363,000

Rent Estimate (pcm)£1,550

Gross Yield5.10%

1y Growth-

3y Growth+1.2%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price£107,950 (2001-04-30)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HG4 3SP

Approval Rate

-12mo

Development

low

26/05637/FULMAJ
Siting of 5 holiday lodges, ancillary wellness area and associated works and landscaping.
Pending
26/04970/PNA
General purpose agricultural building
Approved
26/03251/DVCON
Section 19 application for Variation of Condition No. 2 (Approved Drawings), Condition 6 (Materials), Condition 7 (Boundary Treatments), Condition 8 (Sample Paint Colour) and Condition 9 (Verges) of listed building consent referenced HGTZC23/04056/LB for alteration, extension and conversion of 3no. dwellings (Primrose, Hayloft and Bramble) into 2no. dwellings (Hayloft and Bramble) and the residential conversion of outbuildings to include alteration and extension (to form the carriage house) to allow for minor alterations to the design.
Approved

View Planning Timeline

Ownership

Corporate Ownership75.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2001-04-30
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density23 /km²

Owner Occupied75%

Age Distribution

0-15 17%16-64 54%65+ 29%

View Area Profile

Schools Nearby

Kirkby Malzeard Church of England Primary School
0.3 mi
Good
Grewelthorpe Church of England Primary School
1.3 mi
Inspected as Grewelthorpe Church of England Primary School (URN 121565) on 30 Mar 2022
Fountains Church of England Primary School
2.7 mi
Inspected as Fountains Church of England Primary School (URN 121584) on 3 Dec 2019
St Nicholas Church of England Primary School, West Tanfield
3.7 mi
Good

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

View All Schools

Comparables

View All

6 St Andrews Gate
-
£314k
-
17 St Andrews Gate
-
£325k
-
12 St Andrews Gate
-
£495k
-
6 St Andrews Gate
-
£318k
-

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