# 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:** 0.4%
- **10y growth:** 34.8%

## 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).*

## 1% Rule

- **Rent ratio:** 0.47% (weak for cashflow)
- **Max investor price (0.8%):** £107,000
- **Target investor price (1%):** £85,600

*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 Area rent estimate.*

## 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 |