3 Wharfedale Drive, Otley, LS21 2FD

UPRN:72738682Semi-Detached House3 bedsBuilt 2012-2021

LeaseholdCouncil Tax: Band DEPC: C (79)

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

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

18 of 21 sources

Sale Estimate

£413,000

£392k - £434kHigh

Estimate

£413k

Range

£392k – £434k

Rent Estimate (pcm)

£1,700

£2k - £2k

Monthly

£1,700

Yield

4.92%

Verdict

Derived from HomePortfolio scores

3 Wharfedale Drive earns an INVESTIGATE rating with HP Score 80/100. Investment score 72/100 reflects strong fundamentals. Crime intensity is very low. 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 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

80/ 100

Strong

Investment Score

72/ 100

High

Crime Score

12/ 100

Low

Walkability

61/ 100

Moderate

Transit & Bike

Transit 45Bike 30

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 30 Oct 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM -0.5% (HIGH), sold-comps +12.1%, £/sqft +12.1%] → measured edge +0.50pp 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 (HIGH confidence) · snapshot 10 Oct 2026
- valuation_snapshotsestimate for 72738682· as of 10 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 5.3%· as of 22 Oct 2026
Rental economics0/40
gross yield 4.9%; range width penalty ×0.91
- valuation_snapshotsrent estimate 1700/mo (range 1550-1800)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -672/mo, -40% of rent (6.75% on a 75% loan; disclosed service charge and ground rent); fails the stress - earns nothing
- listing_factsservice charge / ground rent from the advert· as of 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 129 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 30 Oct 2026
Risk & liquidity14.6/15
199 sales/12mo in area; valuation range width 10%
- 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

£311,000£477,000

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£415,000

At the asking price

Monthly rent£1,700/mo

Evidenced range £1,550-£1,800

Interest rate5.4%

Loan to value75%

Cash required: £136,550
Net cash flow: -£224/mo
Cash on cash: -2.0%
Score at this price: 17

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.21 - 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

valuation_snapshotsestimate for 72738682Valuation edge · as of 10 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 8 comps, dispersion 5.3%Valuation edge · as of 22 Oct 2026
valuation_snapshotsrent estimate 1700/mo (range 1550-1800)Rental economics · as of 10 Oct 2026 · verify before relying on this
listing_factsservice charge / ground rent from the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 1700/mo (range 1550-1800)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 129 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

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£413,000

Rent Estimate (pcm)£1,700

Gross Yield4.92%

1y Growth-

3y Growth+5.7%

5y Growth+3.8%

10y Growth+3.5%

Last Sold Price£345,000 (2019-02-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceLow
RadonModerate
MiningLow
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LS21 2FD

Approval Rate

-12mo

Development

low

26/05558/CLP
Certificate of Proposed Lawful Development for conversion of the existing integral garage to an additional habitable room ancillary to the existing single dwellinghouse. The existing roller-shutter garage-door opening and external uPVC side-door opening will be infilled with insulated cavity brickwork, finished in facing bricks to match the existing dwellinghouse. No enlargement of the building is proposed. Internally, the existing concrete floor will be levelled and upgraded with a damp-proof membrane, 100 mm PIR insulation, tongue-and-groove boarding and final floor finish. The garage will remain part of, and be accessed and used in association with, the existing single dwellinghouse; it will not form a separate dwelling or self-contained unit.
Pending
26/05103/FU
Demolition of existing outbuilding; erection of new dwelling; new driveway with dropped kerb for existing dwelling
Pending
26/06229/FUL
installation of air source heat pump to north elevation of dwelling
Pending

View Planning Timeline

Ownership

Corporate Ownership76.9%
Overseas OwnershipNo
Lease Term Remaining237 yrs
CovenantsNone
Lease TypeLeasehold
Last Ownership Change2019-02-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£31,679

Population Density-

Owner Occupied75%

Age Distribution

0-15 18%16-64 54%65+ 28%

View Area Profile

Schools Nearby

Otley Prince Henry's Grammar School Specialist Language College
0.3 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Ashfield Primary School
0.4 mi
Report card2026
Ofsted no longer awards a single overall grade.
Otley the Whartons Primary School
0.4 mi
Inspected as Otley the Whartons Primary School (URN 107881) on 10 Nov 2022
St Joseph's Catholic Primary School, Otley
0.7 mi
Good

5 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

Wharfedale Hall, 1 Wharfedale Drive
-
£157k
-
Wharfedale Hall, 1 Wharfedale Drive
-
£310k
-
Wharfedale Hall, 1 Wharfedale Drive
-
£418k
-
Wharfedale Hall, 1 Wharfedale Drive
-
£178k
-

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