Flat 3, Whitehall, Spital Bridge, Whitby, YO22 4EF

UPRN:10090176151Flat/MaisonetteBeds -Built 1900-1929

LeaseholdCouncil Tax: -EPC: C (74)

Data freshness:Listing· freshPrice Paid· freshPlanning· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Flat 3, Whitehall, Spital Bridge, Whitby, YO22 4EF

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

18 of 21 sources

Sale Estimate

£224,000

£179k - £269kLow

Estimate

£224k

Range

£179k – £269k

Rent Estimate (pcm)

£700

£650 - £800

Monthly

£700

Yield

2.95%

Verdict

Derived from HomePortfolio scores

Flat 3 earns an INVESTIGATE rating with HP Score 64/100. Investment score 64/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (62/100). 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 listingsMarket 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

64/ 100

Mixed

Investment Score

64/ 100

Moderate

Crime Score

61/ 100

Elevated

Walkability

62/ 100

Moderate

Transit & Bike

Transit 28Bike 41

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 2.9%; range width penalty ×0.77
- valuation_snapshotsrent estimate 700/mo (range 650-800)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -818/mo, -117% 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
Risk & liquidity9.2/15
119 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£285,000

At the asking price

Monthly rent£700/mo

Evidenced range £650-£800

Interest rate5.4%

Loan to value75%

Cash required: £91,050
Net cash flow: -£477/mo
Cash on cash: -6.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 0.73 - 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 700/mo (range 650-800)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
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 700/mo (range 650-800)

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£224,000

Rent Estimate (pcm)£700

Gross Yield2.95%

1y Growth-

3y Growth+0.6%

5y Growth+0.4%

10y Growth+3.7%

Last Sold Price£300,000 (2022-05-03)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideSignificant
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0YO22 4EF

Approval Rate

-12mo

Development

low

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
26/05909/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
26/05842/ADV
Internal digital tv screen
Pending

View Planning Timeline

Ownership

Corporate Ownership59.7%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2022-05-03
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 Density1,570 /km²

Owner Occupied55%

Age Distribution

0-15 12%16-64 61%65+ 27%

View Area Profile

Schools Nearby

Airy Hill Primary School
0.2 mi
Good
Whitby School
0.5 mi
Requires improvementConcerns
East Whitby Primary Academy
0.5 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
International Christian Language School for Functional English
0.5 mi
-

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

View All Schools

Comparables

View All

Glen Holme Spital Bridge
-
£417k
-
J D Roach Builders Spital Bridge
-
£180k
-
Whitehall Spital Bridge
-
£280k
-
3 Whitehall Gardens
-
£490k
-

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