Flat 2, 1 Bolton Street, Harrogate, HG1 5JA

UPRN:100050385019Converted Flat2 bedsBuilt before 1900

LeaseholdCouncil Tax: Band AEPC: E (39)

Data freshness:Planning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat 2, 1 Bolton Street, Harrogate, HG1 5JA

HP Score

/ 100

Strong

Verdict

7 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

19 of 21 sources

Sale Estimate

£190,000

£171k - £209kMedium

Estimate

£190k

Range

£171k – £209k

Rent Estimate (pcm)

£800

£750 - £900

Monthly

£800

Yield

6.86%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 79/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is excellent (86/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is leasehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket 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

79/ 100

Strong

Investment Score

53/ 100

Moderate

Crime Score

14/ 100

Low

Walkability

86/ 100

Excellent

Transit & Bike

Transit 35Bike 51

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 2 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 26% above the ask. It ranks after every home whose inputs are verified.

Valuation edge0/15
claims [AVM +26.3% (MEDIUM)] → 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 (MEDIUM confidence) · snapshot 12 Oct 2026
- valuation_snapshotsestimate for 100050385019· as of 12 Oct 2026
Rental economics12.3/40
gross yield 6.9%; range width penalty ×0.82; the estimate this rent rides on sits 26% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 800/mo (range 750-900)· as of 12 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 26% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
- listing_factslisting text signals condition works - budget before trusting any yield· as of 2 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -133/mo, -17% 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 2 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 42 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 2 Nov 2026
Risk & liquidity12.8/15
500 sales/12mo in area; valuation range width 20%
- 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

£105,000£161,000

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£140,000

At the asking price

Monthly rent£800/mo

Evidenced range £750-£900

Interest rate5.4%

Loan to value75%

Cash required: £43,600
Net cash flow: £81/mo
Cash on cash: 2.2%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.69 - 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 100050385019Valuation edge · as of 12 Oct 2026
valuation_snapshotsrent estimate 800/mo (range 750-900)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 26% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 2026 · verify before relying on this
listing_factslisting text signals condition works - budget before trusting any yieldRental economics · as of 2 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advert

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 750-900)
Rental economics needs verification before you rely on it
sale estimate 26% 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£190,000

Rent Estimate (pcm)£800

Gross Yield6.86%

1y Growth-

3y Growth-0.6%

5y Growth+1.2%

10y Growth+1.6%

Last Sold Price£100,000 (2004-07-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HG1 5JA

Approval Rate

-12mo

Development

low

26/06724/PNX
Prior notification for the erection of a single storey rear extension. T he proposed extension would extend 6.0 metres beyond an original rear wall, have a height to the eaves of 2.5 metres and a height to the ridge of 3 metres.
Pending
26/06621/DISCON
Approval of details under condition 11 (noise impact assessment), 25 (drainage for fould and surface water), 27 (detailed drawings) and 28 (drawings showing details of the proposed surface water drainage strategy) of planning permission 26/00783/DVCMAJ Section 73 application for the variation of conditions 2 (Approved Plans), 7 (Highway Works), 9 (parking and turning), 11 (CMP), 12 (Noise), 13 (Lighting), 15 (Ventilation), 16 (EVCP), 17 (Phase II SI), 18 (Remediation), 23 (WSI), 26 (Surface Water), 27 (SW Construction), 28 (Surface Water Strategy), 29 (Method Statement), 30 (AMS), 31 (RPA), 34 (BEMP), 35 (CEMP), 39 (ASHP), and 43 (Community Use) of planning permission HGT18/01521/FULMAJ (as amended by 25/04531/AMENDS) Conversion of Convalescent home to flats, Erection of a Care Home and residential dwellings. Associated works (including minor demolition) and Landscaping.
Pending
26/06622/AMENDS
Non-material amendment to allow alterations to the wording of condition 29 of planning permission 26/00783/DVCMAJ Section 73 application for the variation of conditions 2 (Approved Plans), 7 (Highway Works), 9 (parking and turning), 11 (CMP), 12 (Noise), 13 (Lighting), 15 (Ventilation), 16 (EVCP), 17 (Phase II SI), 18 (Remediation), 23 (WSI), 26 (Surface Water), 27 (SW Construction), 28 (Surface Water Strategy), 29 (Method Statement), 30 (AMS), 31 (RPA), 34 (BEMP), 35 (CEMP), 39 (ASHP), and 43 (Community Use) of planning permission HGT18/01521/FULMAJ (as amended by 25/04531/AMENDS) Conversion of Convalescent home to flats, Erection of a Care Home and residential dwellings. Associated works (including minor demolition) and Landscaping.
Pending

View Planning Timeline

Ownership

Corporate Ownership64%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2004-07-07
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

12 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied52%

Age Distribution

0-15 15%16-64 75%65+ 10%

View Area Profile

Schools Nearby

Harrogate, Grove Road Community Primary School
0.2 mi
Good
Springwell Harrogate
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Coppice Valley Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Harrogate, Bilton Grange Primary School
0.3 mi
GoodImproving

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

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Comparables

View All

3 Bolton Street
-
£262k
-
11 Bolton Street
-
£270k
-
The Stables And Coach House Bolton Street
-
£52k
-
8 Bolton Street
-
£290k
-

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