37A White Cross Road, York, YO31 8JR

UPRN:10034772050Flat/Maisonette2 bedsBuilt 1900-1929

Tenure: -Council Tax: Band AEPC: D (63)

Data freshness:Planning· 4mo agoOwnership· freshEPC· 5mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 2mo agoArea· Census 2021Council Tax· 1mo ago

HP Score

/ 100

Strong

Verdict

2 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

17 of 21 sources

Sale Estimate

£231,000

£208k - £254kMedium

Estimate

£231k

Range

£208k – £254k

Rent Estimate (pcm)

£1,200

£1k - £1k

Monthly

£1,200

Yield

3.84%

Verdict

Derived from HomePortfolio scores

37A White Cross Road earns an INVESTIGATE rating with HP Score 75/100. Investment score 58/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (83/100). 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 listingsOfcom Connected NationsMarket 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

58/ 100

Moderate

Crime Score

30/ 100

Moderate

Walkability

83/ 100

High

Transit & Bike

Transit 30Bike 77

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is a house but the valuation basis is the whole flat at this UPRN - value evidence is not comparable

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£375,000

At the asking price

Monthly rent£1,200/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £122,550
Net cash flow: -£435/mo
Cash on cash: -4.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.95 - below 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£231,000

Rent Estimate (pcm)£1,200

Gross Yield3.84%

1y Growth-

3y Growth+1.2%

5y Growth+1.9%

10y Growth+3.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0YO31 8JR

Approval Rate

-12mo

Development

low

26/01976/FUL
Variation of condition 3 of permitted application 11/00973/FUL to alter the opening hours
Pending
26/01934/FUL
Part demolition and re-building garage to rear garden including mono-pitched tiled roof and made into a multi-use space
Pending
26/01921/TCA
Crown reduce 1no. Oak tree all round by approximately 1.5m - tree works in a conservation area.
Pending

View Planning Timeline

Ownership

Corporate Ownership62.1%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

8 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,961

Population Density3,633 /km²

Owner Occupied47%

Age Distribution

0-15 11%16-64 80%65+ 9%

View Area Profile

Schools Nearby

Haxby Road Primary Academy
0.0 mi
Good
Park Grove Primary Academy
0.3 mi
Report card2025
Ofsted no longer awards a single overall grade.
York St John University
0.5 mi
-
St Wilfrid's Catholic Primary School - a Catholic Voluntary Academy
0.5 mi
Good

2 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

20 White Cross Road
-
£368k
-
27 White Cross Road
-
£365k
-
18 White Cross Road
-
£315k
-
26 White Cross Road
-
£440k
-

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