3 Downing House Farm, Studley Roger, Ripon, HG4 3AY

UPRN:10022912943End Terrace PropertyBeds -Built before 1900

Tenure: -Council Tax: -EPC: F (21)

Data freshness:Listing· freshPrice Paid· freshPlanning· 2mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3 Downing House Farm, Studley Roger, Ripon, HG4 3AY

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

15 of 21 sources

Sale Estimate

£476,000

£381k - £572kLow

Estimate

£476k

Range

£381k – £572k

Rent Estimate (pcm)

£1,950

£2k - £2k

Monthly

£1,950

Yield

4.73%

Verdict

Derived from HomePortfolio scores

3 Downing House Farm earns an INVESTIGATE rating with HP Score 58/100. Investment score 43/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (1/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsMarket estimates (third-party AVM)Defra 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

43/ 100

Mixed

Crime Score

6/ 100

Low

Walkability

1/ 100

Low

Transit & Bike

Transit 4Bike 6

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 economics0/40
gross yield 4.7%; range width penalty ×0.84
- valuation_snapshotsrent estimate 1950/mo (range 1800-2150)· as of 12 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -785/mo, -40% 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 2 Nov 2026
Risk & liquidity9.2/15
260 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£495,000

At the asking price

Monthly rent£1,950/mo

Evidenced range £1,800-£2,150

Interest rate5.4%

Loan to value75%

Cash required: £164,550
Net cash flow: -£321/mo
Cash on cash: -2.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.17 - 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_snapshotsrent estimate 1950/mo (range 1800-2150)Rental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 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 1950/mo (range 1800-2150)

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£476,000

Rent Estimate (pcm)£1,950

Gross Yield4.73%

1y Growth-

3y Growth+1.2%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0HG4 3AY

Approval Rate

-12mo

Development

low

25/02598/TCON
Works to Trees in Studley Roger conservation area. Crown lift 1 no Birch tree to 2.5m above ground level. Minimally prune the tree next to the birch tree to reduce any elongated branches by 2m. Prune Twisted Hazel by crow lifting to 1m above ground level. Prune a Magnolia Tree by crown reducing it by 1m. Reduce a Holly tree by 2m in height. Reduce an Apple tree by 2m.
Decided
HGTZC25/00707/FUL
The building of a shepherds hut, in the south facing garden, for use as a home office.
Approved
HGTZC24/00819/TCON
T1-T2 Ash Trees - Fell. T3-T4 Silver Birch Trees - Fell. Re-planting of two Mountain Ash (Sorbus Aucuparia) trees will be done in place of the two silver birch. 1no. Ash Tree - dead wood removal - within Studley Roger Conservation Area.
Decided

View Planning Timeline

Ownership

Corporate Ownership75.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (-)

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied70%

Age Distribution

0-15 17%16-64 59%65+ 24%

View Area Profile

Schools Nearby

Outwood Academy Ripon
1.1 mi
GoodConcerns
Moorside Primary School & Nursery
1.2 mi
Good
Ripon Grammar School
1.2 mi
Good
St Wilfrid's Catholic Primary School, a Voluntary Academy
1.4 mi
Inspected as St Wilfrid's Catholic Primary School (URN 121638) on 3 Jul 2018

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

View All Schools

Comparables

View All

Parklands
-
£730k
-
Paddock House
-
£1.30M
-
Larks Cottage
-
£685k
-
4
-
£365k
-

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