14 St Pauls Terrace, York, YO24 4BL

UPRN:100050586512Mid Terrace House2 bedsBuilt before 1900

Shared ownershipCouncil Tax: Band BEPC: D (60)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· freshEPC· 6mo agoRisk· 5mo agoCrime· freshConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Mixed

Verdict

today

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

19 of 21 sources

Sale Estimate

£284,000

£270k - £298kHigh

Estimate

£284k

Range

£270k – £298k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

5.56%

Verdict

Derived from HomePortfolio scores

14 St Pauls Terrace earns an INVESTIGATE rating with HP Score 72/100. Investment score 50/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (62/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is shared ownership. 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

50/ 100

Moderate

Crime Score

18/ 100

Moderate

Walkability

62/ 100

Moderate

Transit & Bike

Transit 32Bike 72

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£270,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,150-£1,400

Interest rate5.4%

Loan to value75%

Cash required: £85,800
Net cash flow: -£46/mo
Cash on cash: -0.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.37 - 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£284,000

Rent Estimate (pcm)£1,250

Gross Yield5.56%

1y Growth+7.9%

3y Growth+1.2%

5y Growth+3.0%

10y Growth+4.2%

Last Sold Price£144,950 (2005-05-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0YO24 4BL

Approval Rate

-12mo

Development

low

AOD/26/00282
Condition 10 of 24/02021/FULM
Pending
26/01998/FUL
Renewal of temporary consent for use of land adjacent to garage (use class C3) as a food bank
Pending
AOD/26/00279
Conditions 3 (Landscaping) and 7 (Evacuation Plan) of 26/00737/FUL
Pending

View Planning Timeline

Ownership

Corporate Ownership63.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeShared ownership
Last Ownership Change2005-05-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,961

Population Density-

Owner Occupied47%

Age Distribution

0-15 13%16-64 76%65+ 11%

View Area Profile

Schools Nearby

St Paul's Nursery School
0.1 mi
Good
St Paul's Church of England Voluntary Controlled Primary School
0.1 mi
Good
The Mount School (York)
0.3 mi
Inspected by ISI
Our Lady Queen of Martyrs Catholic Primary School - a Catholic Voluntary Academy
0.4 mi
Good

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

View All Schools

Comparables

View All

38 St Pauls Terrace
-
£255k
-
21 St Pauls Terrace
-
£235k
-
9 St Pauls Terrace
-
£240k
-
13 St Pauls Terrace
-
£218k
-

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