3 The Orchard, Main Street, Thorganby, York, YO19 6DB

UPRN:200001025412Semi-Detached Bungalow bedsBuilt 1950-1966

-Council Tax: -EPC: D (62)AI-Powered Intelligence

Data freshness:Price Paid· 2mo agoEPC· 4mo agoRisk· 3mo agoCrime· 4mo agoConnectivity· 3mo agoSchools· 3mo agoAmenities· 3mo agoArea· Census 2021

3 The Orchard, Main Street, Thorganby, York, YO19 6DB

HP Score

/ 100

Strong

Verdict

yesterday

BUY
Strong fundamentals
INVESTIGATE
Mixed signals - investigate
AVOID
High risk factors

Confidence

Medium

Sale Estimate

£534,000

£428k - £641kLow

Estimate

£534k

Range

£428k – £641k

Rent Estimate (pcm)

£2,050

£2k - £2kMedium

Monthly

£2,050

Yield

AI Verdict

Derived from HomePortfolio scores

AI summary

3 The Orchard earns a INVESTIGATE rating with HP Score 63/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (14/100). Flood risk is rated very low. Verdict and headline figures are derived from the live HomePortfolio API; narrative deep-dives below combine real signals with modelled analytics.

Key SourcesEPC RegisterZoopla ListingsHP Property IntelligenceOfcom Connected NationsMobile Coveragevalue historyplanning signalsHP Walkability v2ONS Census 2021Police.ukPlanIt / LA PortalsHMLR CCODHMLR CovenantsHMLR Price PaidDefra Noise MapOSM AmenitiesOfsted / GIAS

HP Score

63/ 100

Moderate

Investment Score

63/ 100

Moderate

Crime Score

0/ 100

Low

Walkability

14/ 100

Low

Transit & Bike

Low

Real Data

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 (measured MdAPE 25.8%))

What we could establish

Rental economics0/30
gross yield 5.0%; range width penalty ×0.76
- zoopla_valuationsrent estimate 2050/mo (range 1800-2250)· as of 13 Aug 2026· verify before relying on this
Seller motivation5/20
0 price cut(s), 363 days on market; calibration: cuts mark staleness, credited as negotiation context only
- zoopla_listingsprice_changes + first_published_date· as of 12 Sept 2026
Risk & liquidity6.2/10
128 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£495,000

At the asking price

Monthly rent£2,050/mo

Evidenced range £1,800-£2,250

Interest rate5.4%

Loan to value75%

Cash required: £164,550
Net cash flow: -£251/mo
Cash on cash: -1.8%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.23 - 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

zoopla_valuationsrent estimate 2050/mo (range 1800-2250)Rental economics · as of 13 Aug 2026
zoopla_listingsprice_changes + first_published_dateSeller motivation · as of 12 Sept 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 (measured MdAPE 25.8%)
Rental economics needs verification before you rely on it
rent estimate 2050/mo (range 1800-2250)

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

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 (measured MdAPE 25.8%)
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£534,000

Rent Estimate (pcm)£2,050

Gross Yield-

1y Growth-

3y Growth+1.2%

5y Growth+1.3%

10y Growth+2.6%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskVery low
Subsidence2
RadonLow
MiningUnknown
Landslide1
Air QualityUnknown
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

3YO19 6DB

Approval Rate

100%12mo

Development

low

SELZG2026/0245/CPP
Lawful development certificate for proposed erection of solar panels to the roof
Approved
ZG2026/0245/CPP
Lawful development certificate for proposed erection of solar panels to the roof
Approved
ZG2026/0043/TCA
Application for consent to fell 1No Conifer tree in the conservation area
Approved

View Planning Timeline

Ownership

Corporate Ownership68.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median Household Income£29,288

Population Density48 /km²

Owner Occupied80%

Age Distribution

0-15 18%16-64 61%65+ 21%

View Area Profile

Schools Nearby

Wheldrake with Thorganby Church of England Primary School
1.9 mi
Good
North Duffield Community Primary School
3.2 mi
Good
Sutton Upon Derwent Church of England Voluntary Controlled Primary School
3.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Elvington Church of England Voluntary Controlled Primary School
3.7 mi
Good

3 of 14 nearby schools with published figures were oversubscribed in 2025 - demand, not a catchment.

View All Schools

Comparables

View All

Glebe House Main Street
-
£715k
-
Tamarisk Main Street
-
£975k
-
Old Vicarage Main Street
-
£620k
-
Old Vicarage Main Street
-
£330k
-

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