24 Valley Road, Harrogate, HG2 0JQ

UPRN:100050412466Mid Terrace House4 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: D (61)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 4mo ago

HP Score

/ 100

Strong

Verdict

6 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£522,000

£496k - £548kHigh

Estimate

£522k

Range

£496k – £548k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

4.62%

Verdict

Derived from HomePortfolio scores

24 Valley Road earns an INVESTIGATE rating with HP Score 78/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is good (75/100). 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 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

78/ 100

Strong

Investment Score

58/ 100

Moderate

Crime Score

10/ 100

Low

Walkability

75/ 100

High

Transit & Bike

Transit 40Bike 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£545,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,900-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £182,050
Net cash flow: -£386/mo
Cash on cash: -2.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.14 - 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£522,000

Rent Estimate (pcm)£2,100

Gross Yield4.62%

1y Growth+3.0%

3y Growth+1.3%

5y Growth+0.8%

10y Growth+2.9%

Last Sold Price£500,000 (2023-06-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HG2 0JQ

Approval Rate

-12mo

Development

low

26/07068/TCON
Crown Reduction (by up to 2m) of 1 no Cherry (T1) within Harrogate Conservation Area
Pending
26/06800/TCON
Crown lift 1 no. Conifer (T2) from 2.6m to 4.6m with a partial crown reduction from 8m to 5.5m and crown lift 1 no. Cherry (T3) from 4m to 5m with a partial crown reduction from 6m to 4m diameter in Harrogate Conservation Area.
Pending
26/06695/TCON
T1 Cherry - crown lift to 2.5 meters T2 Cherry - crown lift to 2.5 meters T3 Leylandii Cypress - Fell
Pending

View Planning Timeline