Apartment 1, Skellgate House, 18 Water Skellgate, Ripon, HG4 1BQ

UPRN:10093032173Flat/Maisonette2 bedsBuilt 2012-2021

LeaseholdCouncil Tax: Band BEPC: C (78)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 2mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 1mo agoArea· Census 2021

Apartment 1, Skellgate House, 18 Water Skellgate, Ripon, HG4 1BQ

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

20 of 21 sources

Sale Estimate

£158,000

£126k - £190kLow

Estimate

£158k

Range

£126k – £190k

Rent Estimate (pcm)

£850

£800 - £900

Monthly

£850

Yield

6.11%

Verdict

Derived from HomePortfolio scores

Apartment 1 earns an INVESTIGATE rating with HP Score 70/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is excellent (91/100). 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

70/ 100

Mixed

Investment Score

63/ 100

Moderate

Crime Score

56/ 100

Elevated

Walkability

91/ 100

Excellent

Transit & Bike

Transit 31Bike 26

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 economics8.5/40
gross yield 6.1%; range width penalty ×0.96
- valuation_snapshotsrent estimate 850/mo (range 800-900)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -210/mo, -25% 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 & liquidity9.1/15
260 sales/12mo in area; valuation range width 41%
- 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£167,000

At the asking price

Monthly rent£850/mo

Evidenced range £800-£900

Interest rate5.4%

Loan to value75%

Cash required: £52,240
Net cash flow: £25/mo
Cash on cash: 0.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.51 - 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 850/mo (range 800-900)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 850/mo (range 800-900)

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£158,000

Rent Estimate (pcm)£850

Gross Yield6.11%

1y Growth-

3y Growth+1.2%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price£145,000 (2016-10-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0HG4 1BQ

Approval Rate

-12mo

Development

low

26/06879/FUL
Installation of extraction flue to rear (part retrospective).
Pending
26/06271/FUL
Replacement single storey rear extension. Two storey side and rear extension. Raising of roof level over existing two storey rear projection. New front Boundary wall and gates. Replacement render roof tiles external doors and windows to existing.
Pending
26/06114/TCON
Lateral Reduction (by 2m) of 1 no Beech Tree (T1) within Ripon Conservative Area.
Pending

View Planning Timeline

Ownership

Corporate Ownership75.5%
Overseas OwnershipNo
Lease Term Remaining999+ yrs
CovenantsRestrictive
Lease TypeLeasehold
Last Ownership Change2016-10-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

17 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£30,683

Population Density-

Owner Occupied49%

Age Distribution

0-15 15%16-64 57%65+ 28%

View Area Profile

Schools Nearby

Holy Trinity Church of England Primary School
0.3 mi
Report card2026
Ofsted no longer awards a single overall grade.
St Wilfrid's Catholic Primary School, a Voluntary Academy
0.3 mi
Inspected as St Wilfrid's Catholic Primary School (URN 121638) on 3 Jul 2018
Ripon Cathedral Church of England Primary School
0.3 mi
-
Outwood Academy Ripon
0.6 mi
GoodConcerns

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

View All Schools

Comparables

View All

1 Water Skellgate
-
£180k
-
6 Water Skellgate
-
£180k
-
1 Water Skellgate
-
£118k
-
6 Water Skellgate
-
£137k
-

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