36 North Road, Ripon, HG4 1JR

UPRN:100050427992End Terrace House3 bedsBuilt before 1900

FreeholdCouncil Tax: Band CEPC: E (52)

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

HP Score

/ 100

Strong

Verdict

7 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£312,000

£297k - £328kHigh

Estimate

£312k

Range

£297k – £328k

Rent Estimate (pcm)

£1,300

£1k - £1k

Monthly

£1,300

Yield

4.46%

Verdict

Derived from HomePortfolio scores

36 North Road earns an INVESTIGATE rating with HP Score 80/100. Investment score 55/100 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

55/ 100

Moderate

Crime Score

7/ 100

Low

Walkability

86/ 100

Excellent

Transit & Bike

Transit 24Bike 29

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 9 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge-1.6/15
claims [AVM -12.2% (HIGH)] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Nov 2026
- valuation_snapshotsestimate for 100050427992· as of 9 Nov 2026
Rental economics0/40
gross yield 4.5%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1300/mo (range 1200-1400)· as of 9 Nov 2026· verify before relying on this
Stress margin0/30
stressed cash flow -651/mo, -50% 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 9 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 66 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 9 Nov 2026
Risk & liquidity14.7/15
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

£262,500£402,500

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£350,000

At the asking price

Monthly rent£1,300/mo

Evidenced range £1,200-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £113,800
Net cash flow: -£281/mo
Cash on cash: -3.0%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.10 - 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 100050427992Valuation edge · as of 9 Nov 2026
valuation_snapshotsrent estimate 1300/mo (range 1200-1400)Rental economics · as of 9 Nov 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 9 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 9 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 1300/mo (range 1200-1400)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 66 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£312,000

Rent Estimate (pcm)£1,300

Gross Yield4.46%

1y Growth+2.9%

3y Growth+1.2%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price£279,950 (2023-08-21)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HG4 1JR

Approval Rate

-12mo

Development

low

26/06677/DISCON
Approval of details under Condition 11 remediation strategy for plots 1,2 & 6-12 and condition 13b written evidence to demonstrate specified noise levels arosss the whole residential site of Section 73 outline permission ZC23/02248/DVCMAJ for 37 dwellings (details of access and layout considered) and serviced employment plots
Pending
26/06879/FUL
Installation of extraction flue to rear (part retrospective).
Pending
26/06108/LB
Listed Building Consent for the replacement of boiler at Ripon Thorpe Prebend in the same location as existing and using existing pipe and flue runs.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2023-08-21
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density1,100 /km²

Owner Occupied68%

Age Distribution

0-15 13%16-64 52%65+ 35%

View Area Profile

Schools Nearby

Ripon Cathedral Church of England Primary School
0.5 mi
-
Holy Trinity Church of England Primary School
0.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Wilfrid's Catholic Primary School, a Voluntary Academy
0.6 mi
Inspected as St Wilfrid's Catholic Primary School (URN 121638) on 3 Jul 2018
Ripon Grammar School
0.8 mi
Good

4 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

33 North Road
-
£420k
-
34 North Road
-
£138k
-
34 North Road
-
£117k
-
44 North Road
-
£600k
-

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