Ash Tree Cottage, Arthington Lane, Arthington, Otley, LS21 1PG

UPRN:72346957Detached PropertyBeds -Built before 1900

FreeholdCouncil Tax: Band CEPC: E (48)

Data freshness:Listing· freshPrice Paid· freshPlanning· 3mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 4mo agoAmenities· 2mo agoArea· Census 2021

Ash Tree Cottage, Arthington Lane, Arthington, Otley, LS21 1PG

HP Score

/ 100

Mixed

Verdict

yesterday

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

Evidence

18 of 21 sources

Sale Estimate

£394,000

£315k - £473kLow

Estimate

£394k

Range

£315k – £473k

Rent Estimate (pcm)

£1,600

£1k - £2k

Monthly

£1,600

Yield

8.35%

Verdict

Derived from HomePortfolio scores

Ash Tree Cottage earns an INVESTIGATE rating with HP Score 60/100. Investment score 59/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (0/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. 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 covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

60/ 100

Mixed

Investment Score

59/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

0/ 100

Low

Transit & Bike

Transit 9Bike 8

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 economics22.1/40
gross yield 8.3%; range width penalty ×0.82; the estimate this rent rides on sits 42% above the ask - check the rent describes the advertised home
- valuation_snapshotsrent estimate 1600/mo (range 1450-1750)· as of 12 Oct 2026· verify before relying on this
- valuation_snapshotssale estimate 42% above the ask on the same snapshot - verify the rent describes this home· as of 12 Oct 2026· verify before relying on this
Stress margin4.7/30
stressed cash flow +76/mo, +5% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 2 Nov 2026
Risk & liquidity9.2/15
199 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£230,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,450-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £72,400
Net cash flow: £331/mo
Cash on cash: 5.5%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.06 - 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 1600/mo (range 1450-1750)Rental economics · as of 12 Oct 2026 · verify before relying on this
valuation_snapshotssale estimate 42% above the ask on the same snapshot - verify the rent describes this homeRental economics · as of 12 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 2 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 2 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

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 1600/mo (range 1450-1750)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The market estimate this rent rides on sits far above the asking price, so the rent may describe a different home.
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£394,000

Rent Estimate (pcm)£1,600

Gross Yield8.35%

1y Growth-

3y Growth+5.7%

5y Growth+3.8%

10y Growth+3.5%

Last Sold Price£45,000 (1996-08-14)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideSignificant
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

2LS21 1PG

Approval Rate

-12mo

Development

low

26/04422/COND
Consent, agreement or approval required by condition 3 (Stone cleaning sample) to planning application 26/02902/LI
Approved
26/04290/CLP
Certificate of Proposed Lawful Development for the construction of a single storey rear extension, hardstanding to rear, and the installation of a soil and vent pipe to the proposed rear extension.
Approved
26/03195/FU
Change of use of ground floor from public house to office use and outbuildings as storage with first floor ancillary office; single storey front/side infill extension and single storey rear extension to outbuilding; associated alterations to fenestration, access, parking and landscaping
Approved

View Planning Timeline

Ownership

Corporate Ownership76.9%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change1996-08-14
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

13 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,679

Population Density160 /km²

Owner Occupied88%

Age Distribution

0-15 18%16-64 60%65+ 22%

View Area Profile

Schools Nearby

Pool-in-Wharfedale Church of England Voluntary Controlled Primary School
1.2 mi
-
Bramhope Primary School
1.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Ralph Thoresby School
2.9 mi
Good
Cookridge Holy Trinity Church of England Primary School
3.0 mi
Good

4 of 14 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Crag View Arthington Lane
-
£380k
-
Ivy Cottage Arthington Lane
-
£200k
-
Ash Tree Cottage Arthington Lane
-
£45k
-
Ash Tree House Arthington Lane
-
£190k
-

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