Flat 4, 79 Knaresborough Road, Harrogate, HG2 7LY

UPRN:10023253196Flat/Maisonette2 bedsBuilt 2012-2021

LeaseholdCouncil Tax: Band BEPC: C (80)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 4, 79 Knaresborough Road, Harrogate, HG2 7LY

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

20 of 21 sources

Sale Estimate

£177,000

£168k - £186kHigh

Estimate

£177k

Range

£168k – £186k

Rent Estimate (pcm)

£750

£700 - £800

Monthly

£750

Yield

5.62%

Verdict

Derived from HomePortfolio scores

Flat 4 earns an INVESTIGATE rating with HP Score 60/100. Investment score 56/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (2/100). 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

60/ 100

Mixed

Investment Score

56/ 100

Moderate

Crime Score

26/ 100

Moderate

Walkability

2/ 100

Low

Transit & Bike

Transit 41Bike 33

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 30 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

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 edge0/15
claims [AVM +9.6% (HIGH)] → measured edge +0.00pp 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 10023253196· as of 9 Oct 2026
Rental economics4.7/40
gross yield 5.6%; range width penalty ×0.93
- valuation_snapshotsrent estimate 750/mo (range 700-800)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -254/mo, -34% 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: 0 price cut(s), 240 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
383 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 sensitivity

£120,000£184,000

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£160,000

At the asking price

Monthly rent£750/mo

Evidenced range £700-£800

Interest rate5.4%

Loan to value75%

Cash required: £50,000
Net cash flow: -£21/mo
Cash on cash: -0.5%
Score at this price: 19

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.39 - 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 10023253196Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 750/mo (range 700-800)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 750/mo (range 700-800)
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. 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.
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£177,000

Rent Estimate (pcm)£750

Gross Yield5.62%

1y Growth+14.7%

3y Growth+1.3%

5y Growth+0.8%

10y Growth+2.9%

Last Sold Price£148,000 (2016-11-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseBelow 40 dB

View Full Risk Report

Planning Activity

Recent Apps

0HG2 7LY

Approval Rate

-12mo

Development

low

26/06697/TCON
T2 Sycamore: Selective pruning of branch extending SW by 2m T4 Sycamore: remove epicormic growth around trunk base T5 Sycamore: crown lift to 2.5m above ground, remove epicormic growth T6 Oriental Plane: Crown lift to 3m above ground, lateral reduction by 1.5m T7 Hornbeam: lateral reduction by 1.5m T8 Cherry: crown lift to 2.5m, lateral reduction 1-2m
Pending
26/06731/DISCON
Approval of details under Condition 6 (Verification Report) of planning permission HGTZC24/03465/DVCON Demolition of existing buildings and new residential development comprises 7 two-storey domestic dwellings, with associated gardens and parking.
Pending
26/06696/TPO
T153/2008, T1 Ash - crown lift to 3 meters above footpath, crown lift to 5.5 meters above the road, remove deadwood (exempt works)
Pending

View Planning Timeline

Ownership

Corporate Ownership66.9%
Overseas OwnershipNo
Lease Term Remaining105 yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-11-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied79%

Age Distribution

0-15 19%16-64 61%65+ 20%

View Area Profile

Schools Nearby

Harrogate High School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Robert's Catholic Primary School, A Voluntary Academy
0.5 mi
Good
Willow Tree Community Primary School
0.5 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
St Aidan's Church of England High School
0.8 mi
Report card2026
Ofsted no longer awards a single overall grade.

1 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

79 Knaresborough Road
-
£175k
-
79 Knaresborough Road
-
£195k
-
79 Knaresborough Road
-
£202k
-
89A Knaresborough Road
-
£121k
-

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