18 St Catherines Road, Harrogate, HG2 8JZ

UPRN:100050408587Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band DEPC: D (63)

Data freshness:Listing· freshPlanning· 3mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

18 St Catherines Road, Harrogate, HG2 8JZ

HP Score

/ 100

Strong

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£596,000

£566k - £626kHigh

Estimate

£596k

Range

£566k – £626k

Rent Estimate (pcm)

£2,300

£2k - £3k

Monthly

£2,300

Yield

4.76%

Verdict

Derived from HomePortfolio scores

18 St Catherines Road earns an INVESTIGATE rating with HP Score 76/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (59/100). 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

76/ 100

Strong

Investment Score

56/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

59/ 100

Moderate

Transit & Bike

Transit 33Bike 47

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

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£580,000

At the asking price

Monthly rent£2,300/mo

Evidenced range £2,050-£2,500

Interest rate5.4%

Loan to value75%

Cash required: £194,300
Net cash flow: -£365/mo
Cash on cash: -2.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. 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£596,000

Rent Estimate (pcm)£2,300

Gross Yield4.76%

1y Growth+29.7%

3y Growth+1.3%

5y Growth+0.8%

10y Growth+2.9%

Last Sold Price£455,500 (2023-08-09)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HG2 8JZ

Approval Rate

-12mo

Development

low

26/07330/FUL
Demolition of existing side extension and erection of single storey side/ rear extension.
Pending
26/07087/TPO
Fell 1 No Horse chestnut (T1) within tree preservation order 29/2013.
Pending
26/07108/TPO
Works to 1 No Beech (T1) Lateral reduction by up to 2.3m around 1.5m in most places, maximum pruning cuts of 60mm of tree preservation order 10/2014.
Pending

View Planning Timeline

Ownership

Corporate Ownership67%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-08-09
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied89%

Age Distribution

0-15 19%16-64 54%65+ 27%

View Area Profile

Schools Nearby

St Aidan's Church of England High School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
St John Fisher Catholic Academy
0.3 mi
Good
Strive for Education
0.6 mi
Good
Willow Tree Community Primary School
0.6 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.

3 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

11 St Catherines Road
-
£680k
-
27 St Catherines Road
-
£750k
-
19 St Catherines Road
-
£700k
-
7 St Catherines Road
-
£520k
-

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