Apartment 5, 22 St Hildas Terrace, Whitby, YO21 3AE

UPRN:10012898526Converted Flat2 bedsBuilt 1900-1929

LeaseholdCouncil Tax: -EPC: C (74)

Data freshness:Price Paid· freshEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Apartment 5, 22 St Hildas Terrace, Whitby, YO21 3AE

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

£245,000

£233k - £258kHigh

Estimate

£245k

Range

£233k – £258k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

7.44%

Verdict

Derived from HomePortfolio scores

Apartment 5 earns an INVESTIGATE rating with HP Score 57/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (90/100). 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

57/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

96/ 100

Elevated

Walkability

90/ 100

Excellent

Transit & Bike

Transit 56Bike 45

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesLead to verifyListing checked 30 Oct 2026

Fewer independent sources agree, or a component could not be scored.

Check before relying on this score: leasehold with no service charge disclosed - the stress test assumes GBP 0. It ranks after every home whose inputs are verified.

Valuation edge2.5/15
claims [AVM -2.0% (HIGH), sold-comps +3.9%, £/sqft +4.0%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 10012898526· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 23.9%· as of 21 Oct 2026
Rental economics19.5/40
gross yield 7.4%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1550/mo (range 1450-1600)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -45/mo, -3% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 30 Oct 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 1 price cut(s), 459 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 30 Oct 2026
Risk & liquidity14.6/15
172 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 sensitivityScores 70+ up to £187,500

£187,500£287,500

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£249,950

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,450-£1,600

Interest rate5.4%

Loan to value75%

Cash required: £78,785
Net cash flow: £229/mo
Cash on cash: 3.5%
Score at this price: 37

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.84 - clears 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 10012898526Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 10 comps, dispersion 23.9%Valuation edge · as of 21 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1450-1600)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1550/mo (range 1450-1600)
Stress margin needs verification before you rely on it
costs not disclosed by the advert

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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
3. Set your walk-away price before viewing - above £187,500 the deal stops scoring well.
Computed by re-running the score at higher prices.
4. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.

Valuation & Market

Sale Estimate£245,000

Rent Estimate (pcm)£1,550

Gross Yield7.44%

1y Growth-50.0%

3y Growth-5.5%

5y Growth+0.2%

10y Growth+3.0%

Last Sold Price£184,000 (2020-01-13)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

4YO21 3AE

Approval Rate

100%12mo

Development

low

26/05909/LB
Change of use from retail (class E) and dwelling (class C3) on the ground floor to cafe and retail (class E) with single dwelling to the upper floors. Works to include internal alterations to secure the structural stability of the building, including removal of a 1980s staircase and external works to windows, render, an external staircase to access the first floor and an outside w.c.
Pending
26/05908/FUL
Change of use from retail (class E) and dwelling (class C3) on the ground floor to cafe and retail (class E) with single dwelling to the upper floors. Works to include internal alterations to secure the structural stability of the building, including removal of a 1980s staircase and external works to windows, render, an external staircase to access the first floor and an outside w.c.
Pending
26/05843/LB
Internal digital tv screen
Pending

View Planning Timeline