Flat, Bridgeholme, 58 High Street, Gargrave, BD23 3LX

UPRN:10092994546Semi-Detached Bungalow3 bedsBuilt -

Tenure: -Council Tax: -EPC: -

Data freshness:Listing· freshRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Flat, Bridgeholme, 58 High Street, Gargrave, BD23 3LX

HP Score

/ 100

Mixed

Verdict

2 days ago

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

Evidence

15 of 21 sources

Sale Estimate

£547,000

£438k - £656kLow

Estimate

£547k

Range

£438k – £656k

Rent Estimate (pcm)

£2,550

£2k - £3k

Monthly

£2,550

Yield

5.83%

Verdict

Derived from HomePortfolio scores

Flat earns an INVESTIGATE rating with HP Score 64/100. Investment score 48/100 reflects below-average fundamentals. Crime intensity is very low. Walkability is limited (39/100). 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 SourcesPortal 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

64/ 100

Mixed

Investment Score

48/ 100

Mixed

Crime Score

11/ 100

Low

Walkability

39/ 100

Mixed

Transit & Bike

Transit 13Bike 23

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 economics5.9/40
gross yield 5.8%; range width penalty ×0.89
- valuation_snapshotsrent estimate 2550/mo (range 2350-2750)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -471/mo, -18% 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 6 Nov 2026
Risk & liquidity9.3/15
421 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£525,000

At the asking price

Monthly rent£2,550/mo

Evidenced range £2,350-£2,750

Interest rate5.4%

Loan to value75%

Cash required: £175,050
Net cash flow: -£6/mo
Cash on cash: -0.0%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.44 - 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 2550/mo (range 2350-2750)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 6 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 6 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 2550/mo (range 2350-2750)

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£547,000

Rent Estimate (pcm)£2,550

Gross Yield5.83%

1y Growth-

3y Growth-0.9%

5y Growth+3.0%

10y Growth+4.0%

Last Sold Price£250,000 (2003-09-22)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

5BD23 3LX

Approval Rate

100%12mo

Development

low

26/06926/LB
Retrospective application for internal works
Pending
26/06507/PNT56
Application for prior notification of proposed development by telecommunications code system operators for the installation of a fixed line broadband electronic communications apparatus - 1X 11M Light Telegraph Pole
Pending
26/06182/TPO
Works to a tree with a Preservation Order: Remove 1no. Sycamore tree (TPO no. 46-1, 1965)
Pending

View Planning Timeline

Ownership

Corporate Ownership75.6%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change2003-09-22
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 Occupied69%

Age Distribution

0-15 13%16-64 51%65+ 36%

View Area Profile

Schools Nearby

Gargrave Church of England Primary School
0.1 mi
Inspected as Gargrave Church of England Voluntary Controlled Primary School (URN 121599) on 24 Mar 2026
Craven College
3.1 mi
-
The Skipton Academy
3.2 mi
Good
Skipton Girls' High School
3.5 mi
Good

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

View All Schools

Comparables

View All

66 High Street
-
£153k
-
68 High Street
-
£332k
-
84 High Street
-
£210k
-
72 High Street
-
£295k
-

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