Flat 2, 7 St Marks Avenue, Harrogate, HG2 8AF

UPRN:100050409573Flat/Maisonette2 bedsBuilt -

LeaseholdCouncil Tax: Band BEPC: -

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshRisk· 5mo agoCrime· freshConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

Flat 2, 7 St Marks Avenue, Harrogate, HG2 8AF

HP Score

/ 100

Strong

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£193,000

£184k - £203kHigh

Estimate

£193k

Range

£184k – £203k

Rent Estimate (pcm)

£850

£750 - £900

Monthly

£850

Yield

5.37%

Verdict

Derived from HomePortfolio scores

Flat 2 earns an INVESTIGATE rating with HP Score 75/100. Investment score 53/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (65/100). 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 SourcesPortal 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

53/ 100

Moderate

Crime Score

13/ 100

Low

Walkability

65/ 100

Moderate

Transit & Bike

Transit 35Bike 37

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£190,000

At the asking price

Monthly rent£850/mo

Evidenced range £750-£900

Interest rate5.4%

Loan to value75%

Cash required: £59,600
Net cash flow: -£53/mo
Cash on cash: -1.1%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.33 - clears 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£193,000

Rent Estimate (pcm)£850

Gross Yield5.37%

1y Growth-

3y Growth+1.3%

5y Growth+0.8%

10y Growth+2.9%

Last Sold Price£40,000 (1995-10-26)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HG2 8AF

Approval Rate

-12mo

Development

low

26/07240/LBX
An application under the ecclesiastical exemption from listed building control as prescribed through The Ecclesiastical Exemption (Listed Buildings and Conservation Areas) (England) Order 2010 (SI 2010 no 1176)
Pending
26/07114/TPO
Fell 1 No Conifer (T1 and T2) within tree preservation order 15/1989.
Pending
26/07063/S106
Application to vary the S106 Agreement relating to planning application HGT19/03970/OUTMAJ, to allow staged payment of obligations.
Pending

View Planning Timeline

Ownership

Corporate Ownership67%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change1995-10-26
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

11 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density4,965 /km²

Owner Occupied68%

Age Distribution

0-15 20%16-64 63%65+ 17%

View Area Profile

Schools Nearby

Harrogate Grammar School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
Oatlands Infant School
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Rossett Acre Primary School
0.6 mi
Good
Oatlands Community Junior School
0.6 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.

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

View All Schools

Comparables

View All

7 St Marks Avenue
-
£160k
-
9 St Marks Avenue
-
£685k
-
St. Marks House, 1 St Marks Avenue
-
£190k
-
St. Marks House, 1 St Marks Avenue
-
£228k
-

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