4 Garfield Terrace, York, YO26 4XU

UPRN:100052166174Converted Flat1 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: D (55)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· freshRisk· 5mo agoConnectivity· 1mo agoSchools· freshAmenities· 2mo agoArea· Census 2021

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

20 of 21 sources

Sale Estimate

£127,000

£121k - £133kHigh

Estimate

£127k

Range

£121k – £133k

Rent Estimate (pcm)

£650

£600 - £700

Monthly

£650

Yield

6.50%

Verdict

Derived from HomePortfolio scores

4 Garfield Terrace earns an INVESTIGATE rating with HP Score 69/100. Investment score 45/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (52/100). 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 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

69/ 100

Mixed

Investment Score

45/ 100

Mixed

Crime Score

17/ 100

Moderate

Walkability

52/ 100

Moderate

Transit & Bike

Transit 18Bike 68

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£120,000

At the asking price

Monthly rent£650/mo

Evidenced range £600-£700

Interest rate5.4%

Loan to value75%

Cash required: £37,300
Net cash flow: £45/mo
Cash on cash: 1.4%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.60 - 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£127,000

Rent Estimate (pcm)£650

Gross Yield6.50%

1y Growth-6.4%

3y Growth-1.9%

5y Growth+1.2%

10y Growth+3.6%

Last Sold Price£87,000 (2004-08-19)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0YO26 4XU

Approval Rate

-12mo

Development

low

26/01979/LBC
Installation of juliet balcony to first floor rear window
Pending
26/01938/LBC
Installation of gate to side elevation
Pending
26/01873/LBC
Installation of free-standing self-service luggage locker units in short-stay car park
Pending

View Planning Timeline

Ownership

Corporate Ownership66.7%
Overseas OwnershipNo
Lease Term Remaining85 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2004-08-19
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

Saint Barnabas Church of England Voluntary Controlled Primary School
0.2 mi
Inspected as Saint Barnabas Church of England Voluntary Controlled Primary School (URN 121473) on 24 Jun 2025
Poppleton Road Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Paul's Nursery School
0.6 mi
Good
St Paul's Church of England Voluntary Controlled Primary School
0.6 mi
Good

2 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

26 Garfield Terrace
-
£182k
-
22 Garfield Terrace
-
£190k
-
88 Garfield Terrace
-
£205k
-
90 Garfield Terrace
-
£183k
-

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