Terraced

28 URE BANK TERRACE

RIPON, NORTH YORKSHIRE, HG4 1JG

£182,000

Location

Map view View on Google Maps View on OpenStreetMap Street View HG4 1JG

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	Unknown	0.3 miles
Shop	Majestic	0.5 miles
Train station	Unknown	2.8 miles
Hospital	Harrogate District Hospital	10.5 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

50 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£182,000 Jan 2026

Price per m²

£3,640/m²

Local average

£253,333 (23 sales)

Street crime

64 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 12/09/2025

Expiry date: 11/09/2035

Current heating cost: £899/year

Potential heating cost: £584/year

Est. upgrade cost to C: £25,750

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£7,500 - £11,000)
Floor insulation (solid floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	30/01/2026	£182,000	Terraced	—	£182,829 to April 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£182,000
listed	17/09/2025	£185,000

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
4 FREEMANTLE PLACE, RIPON, NORTH YORKSHIRE, HG4 1UR	£395,000	19/12/2025	Terraced
4 BRIDGE VIEW ROAD, RIPON, NORTH YORKSHIRE, HG4 1JN	£226,000	06/03/2023	Terraced
9 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD	£150,000	18/11/2022	Terraced
32 URE BANK TERRACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JG	£190,000	22/07/2022	Terraced
4 BRIDGE VIEW ROAD, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JN	£158,000	28/04/2022	Terraced
31 URE BANK TERRACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JG	£175,000	09/03/2022	Terraced
2 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD	£163,500	11/02/2022	Terraced
18 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD	£200,000	30/09/2021	Terraced
4 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD	£190,000	28/09/2021	Terraced
3 FREEMANTLE PLACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1UR	£322,000	06/08/2021	Terraced

Area average: £216,950 (10 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth -0.6%

10y growth 40%

House Price Index (HM Land Registry — official index, not sold-price averages): Yorkshire and The Humber. Series: Terraced. As of April 2026.

1y (index) 9.1%

5y (index) 24.1%

10y (index) 51.3%

Company ownership

Registered legal owner is a company.

Company-owned (UK company)

Company: WENTWORTH LAND LIMITED (13254698)

Rental Range

Estimated market rent for Yorkshire and The Humber. Low = conservative, Realistic = average, Optimistic = best case.

Low £770/mo

Realistic £856/mo

Optimistic £942/mo

Based on Region from postcode lookup → Yorkshire and The Humber.

LHA (30th percentile) floor for Harrogate: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
1 Bed Flat, Steven Way, HG4	£850/mo	1	0.54 miles	OpenRent
1 Bed Flat, North St, HG4	£895/mo	1	0.6 miles	OpenRent
1 Bed Flat, Kirkgate, HG4	£550/mo	1	0.8 miles	OpenRent
1 Bed Flat, Kirkgate, HG4	£800/mo	1	0.8 miles	OpenRent
1 Bed Flat, High Skellgate, HG4	£840/mo	1	0.82 miles	OpenRent

Average rent: £787/mo (5 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.46%

Max investor price (0.8%) £105,000

Target investor price (1%) £84,000

Gross yield 5.5%

Cost-to-rent ratio 18.1×

Monthly cashflow £14/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 0.3%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Violence and sexual offences	25
Shoplifting	13
Anti-social behaviour	6
Criminal damage and arson	6
Public order	5
Other theft	4
Burglary	2
Bicycle theft	1
Drugs	1
Vehicle crime	1
Total incidents	64

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Holy Trinity Church of England Infant and Nursery	Primary	0.7 miles	Requires improvement — 21 May 2019
Sharow Church of England Primary School	Primary	0.7 miles	Requires improvement — 30 Mar 2023
Ripon Cathedral Church of England Primary School	Primary	0.7 miles	Good — 15 Jun 2016
Holy Trinity Church of England Junior School	Primary	0.8 miles	Requires improvement — 19 Sep 2023
St Wilfrid's Catholic Primary School, a Voluntary Academy	Primary	0.9 miles	Outstanding — 12 Sep 2018

FENSA

No FENSA certificates found for this address.

# 28 URE BANK TERRACE, RIPON, NORTH YORKSHIRE, HG4 1JG

## Property details

- Slug: `7927883` (address key hash: `792788371b3ac9d32efa4f89c18e88924338b6fa`)
- Postcode: HG4 1JG
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 1
- Bathrooms: 1
- Floor area: 50 m²
- EPC rating: D
- Year built: England and Wales: before 1900
- Last sold: £182,000 Jan 2026
- Price per m²: £3,640/m²
- Local average: £253,333 (23 sales)
- Street crime: 64 incidents within 1 mile (May 2026)

## Latest sale

- Price: £182,000
- Date: 2026-01-30
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 11/09/2035
- **Current heating cost:** £899/year
- **Est. upgrade cost to C:** £25,750

### Recommendations
- Q (£7,500 - £11,000)
- W2 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1235-0121-5000-0262-0296)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-30 | £182,000 | Terraced | — | £182,829 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-8def-8922-e063-4804a8c094d0) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 28 URE BANK TERRACE, RIPON, NORTH YORKSHIRE, HG4 1JG | £182,000 | 30/01/2026 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [167105846](http://87.117.209.195:8080/listings/6c87767)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £182,000 |
| listed | 2025-09-17 | £185,000 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 4 FREEMANTLE PLACE, RIPON, NORTH YORKSHIRE, HG4 1UR | £395,000 | 19/12/2025 | Terraced |
| 4 BRIDGE VIEW ROAD, RIPON, NORTH YORKSHIRE, HG4 1JN | £226,000 | 06/03/2023 | Terraced |
| 9 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD | £150,000 | 18/11/2022 | Terraced |
| 32 URE BANK TERRACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JG | £190,000 | 22/07/2022 | Terraced |
| 4 BRIDGE VIEW ROAD, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JN | £158,000 | 28/04/2022 | Terraced |
| 31 URE BANK TERRACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JG | £175,000 | 09/03/2022 | Terraced |
| 2 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD | £163,500 | 11/02/2022 | Terraced |
| 18 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD | £200,000 | 30/09/2021 | Terraced |
| 4 URE BANK TOP, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JD | £190,000 | 28/09/2021 | Terraced |
| 3 FREEMANTLE PLACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1UR | £322,000 | 06/08/2021 | Terraced |

**Area average:** £216,950 (10 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -0.6%
- **10y growth:** 40%

## House Price Index (HM Land Registry)

*Official index for Yorkshire and The Humber; Terraced series; as of April 2026.*

- **1y growth (index):** 9.1%
- **5y growth (index):** 24.1%
- **10y growth (index):** 51.3%

## Rental Range

*ONS Price Index of Private Rents (Yorkshire and The Humber). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £770/mo
- **Realistic:** £856/mo
- **Optimistic:** £942/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Harrogate (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 1 Bed Flat, Steven Way, HG4 | £850/mo | 1 | 0.54 miles | OpenRent |
| 1 Bed Flat, North St, HG4 | £895/mo | 1 | 0.6 miles | OpenRent |
| 1 Bed Flat, Kirkgate, HG4 | £550/mo | 1 | 0.8 miles | OpenRent |
| 1 Bed Flat, Kirkgate, HG4 | £800/mo | 1 | 0.8 miles | OpenRent |
| 1 Bed Flat, High Skellgate, HG4 | £840/mo | 1 | 0.82 miles | OpenRent |

**Average rent: £787/mo (5 listings)**

## 1% Rule

- **Rent ratio:** 0.46% (weak for cashflow)
- **Max investor price (0.8%):** £105,000
- **Target investor price (1%):** £84,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £840/mo).*

- **Gross yield:** 5.5%
- **Cost-to-rent:** 18.1×
- **Monthly cashflow:** £14/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.3%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 25 |
| Shoplifting | 13 |
| Anti-social behaviour | 6 |
| Criminal damage and arson | 6 |
| Public order | 5 |
| Other theft | 4 |
| Burglary | 2 |
| Bicycle theft | 1 |
| Drugs | 1 |
| Vehicle crime | 1 |
| **Total incidents** | **64** |

*Within 1 mile during May 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Holy Trinity Church of England Infant and Nursery | Primary | 0.7 miles | Requires improvement — 21 May 2019 |
| Sharow Church of England Primary School | Primary | 0.7 miles | Requires improvement — 30 Mar 2023 |
| Ripon Cathedral Church of England Primary School | Primary | 0.7 miles | Good — 15 Jun 2016 |
| Holy Trinity Church of England Junior School | Primary | 0.8 miles | Requires improvement — 19 Sep 2023 |
| St Wilfrid's Catholic Primary School, a Voluntary Academy | Primary | 0.9 miles | Outstanding — 12 Sep 2018 |