Apartment 3, 13 Prospect Hill, Whitby, YO21 1QE

UPRN:10094022926Flat/Maisonette2 bedsBuilt before 1900

LeaseholdCouncil Tax: -EPC: C (73)

Data freshness:Listing· freshPlanning· 4mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Apartment 3, 13 Prospect Hill, Whitby, YO21 1QE

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£144,000

£129k - £158kMedium

Estimate

£144k

Range

£129k – £158k

Rent Estimate (pcm)

£900

£850 - £950

Monthly

£900

Yield

8.64%

Verdict

Derived from HomePortfolio scores

Apartment 3 earns an INVESTIGATE rating with HP Score 52/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is limited (61/100). 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

52/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

96/ 100

Elevated

Walkability

61/ 100

Moderate

Transit & Bike

Transit 46Bike 46

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceLead to verifyListing checked 4 Nov 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 +13.2% (MEDIUM), sold-comps -19.0%, £/sqft -18.7%] → 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 (MEDIUM confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 10094022926· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.3%· as of 29 Oct 2026
Rental economics28.5/40
gross yield 8.6%; range width penalty ×0.98
- valuation_snapshotsrent estimate 900/mo (range 850-950)· as of 10 Oct 2026· verify before relying on this
Stress margin0.5/30
stressed cash flow +4/mo, +0% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress; leasehold with no service charge disclosed - the stress assumes GBP 0
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026· verify before relying on this
Seller motivationNot scored
context, not scored: 0 price cut(s), 66 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 4 Nov 2026
Risk & liquidity12.8/15
172 sales/12mo in area; valuation range width 20%
- 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

£94,000£144,000

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£125,000

At the asking price

Monthly rent£900/mo

Evidenced range £850-£950

Interest rate5.4%

Loan to value75%

Cash required: £38,800
Net cash flow: £201/mo
Cash on cash: 6.2%
Score at this price: 42

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.13 - 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 10094022926Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 20.3%Valuation edge · as of 29 Oct 2026
valuation_snapshotsrent estimate 900/mo (range 850-950)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026 · verify before relying on this
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

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 900/mo (range 850-950)
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£144,000

Rent Estimate (pcm)£900

Gross Yield8.64%

1y Growth-

3y Growth-5.5%

5y Growth+0.2%

10y Growth+3.0%

Last Sold Price£117,500 (2019-07-17)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0YO21 1QE

Approval Rate

-12mo

Development

low

26/06251/FUL
Change of use of garage, with external alterations to form larger retail area and addition of 2 parking spaces to front
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
26/05908/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

View Planning Timeline