3 Greenfields, North Stainley, Ripon, HG4 3HT

UPRN:10003598358Terrace Property2 bedsBuilt 1996-2002

FreeholdCouncil Tax: -EPC: E (47)

Data freshness:Listing· freshPlanning· freshOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3 Greenfields, North Stainley, Ripon, HG4 3HT

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£241,000

£229k - £254kHigh

Estimate

£241k

Range

£229k – £254k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

6.00%

Verdict

Derived from HomePortfolio scores

3 Greenfields earns an INVESTIGATE rating with HP Score 62/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (16/100). 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)Defra 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

62/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

6/ 100

Low

Walkability

16/ 100

Low

Transit & Bike

Transit 10Bike 16

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 6 Nov 2026

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

Check before relying on this score: the estimate sits 17% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +17.0% (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 10003598358· as of 9 Nov 2026
Rental economics7.2/40
gross yield 6.0%; range width penalty ×0.90; the estimate this rent rides on sits 17% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1000/mo (range 950-1100)· as of 9 Nov 2026· verify before relying on this
- valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this home· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -239/mo, -24% 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 6 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 413 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 6 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

£150,000£230,000

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£200,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £62,800
Net cash flow: £17/mo
Cash on cash: 0.3%
Score at this price: 22

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.48 - 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 10003598358Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1000/mo (range 950-1100)Rental economics · as of 9 Nov 2026 · verify before relying on this
valuation_snapshotssale estimate 17% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 Nov 2026

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 1000/mo (range 950-1100)
Rental economics needs verification before you rely on it
sale estimate 17% above the ask on the same snapshot - verify the rent describes this home

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
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£241,000

Rent Estimate (pcm)£1,000

Gross Yield6.00%

1y Growth-

3y Growth+1.2%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

1HG4 3HT

Approval Rate

-12mo

Development

low

26/05564/FUL
Temporary change of use of part of the existing car park to permit the siting of mobile food and non-alcoholic beverage units (up to four), with associated outdoor seating, games areas, storage container and portable toilets, for a period of three years.
Pending
26/05585/FUL
Single-storey extension to existing garage.
Pending
26/04966/FUL
Demolition of existing conservatory and replacement with a single storey rear extension with internal alterations. Construction of porch to the front of the property. Conversion of garage into a utility room and storage.
Approved

View Planning Timeline

Ownership

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

View Ownership Details

Connectivity

Broadband (Standard)

19 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density30 /km²

Owner Occupied70%

Age Distribution

0-15 17%16-64 59%65+ 24%

View Area Profile

Schools Nearby

North Stainley Church of England Primary School
0.1 mi
Inspected as North Stainley Church of England Primary School (URN 121578) on 29 Nov 2022
St Nicholas Church of England Primary School, West Tanfield
1.6 mi
Good
Cambian Spring Hill
2.8 mi
Good
Grewelthorpe Church of England Primary School
3.5 mi
Inspected as Grewelthorpe Church of England Primary School (URN 121565) on 30 Mar 2022

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

View All Schools

Comparables

View All

The Old Chapel
-
£177k
-
Greenfields
-
£275k
-
Lightwater Farm
-
£125k
-
3 Estate Yard Cottages
-
£125k
-

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