26 Rutland House, Mansfield Court, Harrogate, HG1 2QR

UPRN:10013653944Flat/Maisonette2 bedsBuilt 1996-2002

LeaseholdCouncil Tax: -EPC: C (80)

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

26 Rutland House, Mansfield Court, Harrogate, HG1 2QR

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

£502,000

£401k - £602kLow

Estimate

£502k

Range

£401k – £602k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

5.73%

Verdict

Derived from HomePortfolio scores

26 Rutland House earns an INVESTIGATE rating with HP Score 74/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is good (84/100). 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

74/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

36/ 100

Elevated

Walkability

84/ 100

High

Transit & Bike

Transit 33Bike 50

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics4.9/40
gross yield 5.7%; range width penalty ×0.83
- valuation_snapshotsrent estimate 2150/mo (range 1950-2350)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -448/mo, -21% 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
Risk & liquidity9.2/15
500 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

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£450,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £1,950-£2,350

Interest rate5.4%

Loan to value75%

Cash required: £148,800
Net cash flow: -£30/mo
Cash on cash: -0.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.42 - 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_snapshotsrent estimate 2150/mo (range 1950-2350)Rental economics · as of 12 Oct 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 Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2150/mo (range 1950-2350)

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. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. 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£502,000

Rent Estimate (pcm)£2,150

Gross Yield5.73%

1y Growth-19.2%

3y Growth-0.6%

5y Growth+1.2%

10y Growth+1.6%

Last Sold Price£389,950 (2014-06-23)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HG1 2QR

Approval Rate

-12mo

Development

low

26/06695/TCON
T1 Cherry - crown lift to 2.5 meters T2 Cherry - crown lift to 2.5 meters T3 Leylandii Cypress - Fell
Pending
26/06584/FUL
Proposed change of use from Sui Generis accommodation to C3 Dwellinghouses
Pending
26/06622/AMENDS
Non-material amendment to allow alterations to the wording of condition 29 of planning permission 26/00783/DVCMAJ Section 73 application for the variation of conditions 2 (Approved Plans), 7 (Highway Works), 9 (parking and turning), 11 (CMP), 12 (Noise), 13 (Lighting), 15 (Ventilation), 16 (EVCP), 17 (Phase II SI), 18 (Remediation), 23 (WSI), 26 (Surface Water), 27 (SW Construction), 28 (Surface Water Strategy), 29 (Method Statement), 30 (AMS), 31 (RPA), 34 (BEMP), 35 (CEMP), 39 (ASHP), and 43 (Community Use) of planning permission HGT18/01521/FULMAJ (as amended by 25/04531/AMENDS) Conversion of Convalescent home to flats, Erection of a Care Home and residential dwellings. Associated works (including minor demolition) and Landscaping.
Pending

View Planning Timeline

Ownership

Corporate Ownership64%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2014-06-23
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 Density4,474 /km²

Owner Occupied54%

Age Distribution

0-15 9%16-64 69%65+ 22%

View Area Profile

Schools Nearby

Coppice Valley Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Joseph's Catholic Primary School, Harrogate, A Voluntary Academy
0.4 mi
Good
Duchy College
0.4 mi
Inspected by ISI
Harrogate, Grove Road Community Primary School
0.4 mi
Good

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

View All Schools

Comparables

View All

Rutland House Mansfield Court
-
£260k
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Rutland House Mansfield Court
-
£210k
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Rutland House Mansfield Court
-
£260k
-
Rutland House Mansfield Court
-
£210k
-

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