Ivy Cottage, Winksley, Ripon, HG4 3NR

UPRN:10003598500Detached House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band FEPC: E (44)

Data freshness:Listing· freshPlanning· 1mo agoOwnership· freshEPC· 3mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 5mo ago

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£796,000

£756k - £836kHigh

Estimate

£796k

Range

£756k – £836k

Rent Estimate (pcm)

£3,000

£3k - £3k

Monthly

£3,000

Yield

4.50%

Verdict

Derived from HomePortfolio scores

Ivy Cottage earns an INVESTIGATE rating with HP Score 55/100. Investment score 43/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (0/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

55/ 100

Mixed

Investment Score

43/ 100

Mixed

Crime Score

6/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 5Bike 3

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 12 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 9 Nov 2026
- valuation_snapshotsestimate for 10003598500· as of 9 Nov 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.77
- valuation_snapshotsrent estimate 3000/mo (range 2650-3300)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,300/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 12 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 117 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 12 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

£600,000£920,000

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£800,000

At the asking price

Monthly rent£3,000/mo

Evidenced range £2,650-£3,300

Interest rate5.4%

Loan to value75%

Cash required: £271,300
Net cash flow: -£623/mo
Cash on cash: -2.8%
Score at this price: 15

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.11 - 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 10003598500Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 3000/mo (range 2650-3300)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 12 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 12 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 3000/mo (range 2650-3300)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 117 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£796,000

Rent Estimate (pcm)£3,000

Gross Yield4.50%

1y Growth-60.5%

3y Growth+1.2%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price£430,000 (2006-08-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideLow
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0HG4 3NR

Approval Rate

-12mo

Development

low

26/06429/FUL
Single storey side extension and conversion of an outbuilding into ancillary accommodation.
Pending
26/03343/DISCON
Approval of details under Condition 5 (BNG Implementation), 7 (Barn Owls) and the Statutory Biodiveristy Condition of planning permission 25/03836/FUL: Conversion of agricultural barn into a dwellinghouse, including associated works to reclad and insert windows and doors. Form new site access and driveway.
Conditions
26/00711/PNF
The widening of an entrance into the wood for timber lorries to collect wood and for timber to be securely stacked.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2006-08-18
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

3 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied70%

Age Distribution

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

View Area Profile

Schools Nearby

Fountains Church of England Primary School
1.5 mi
Inspected as Fountains Church of England Primary School (URN 121584) on 3 Dec 2019
Kirkby Malzeard Church of England Primary School
2.3 mi
Good
Ripon Grammar School
3.0 mi
Good
Outwood Academy Ripon
3.0 mi
GoodConcerns

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

View All Schools

Comparables

View All

The Beeches
-
£330k
-
Fountains Rectory
-
£835k
-
Winksley Hall Farm
-
£931k
-
Furness Cottage
-
£325k
-

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