Semi-Detached

31 PANNAL ASH GROVE

HARROGATE, NORTH YORKSHIRE, HG2 0HY

£510,000

Location

Map view View on Google Maps View on OpenStreetMap Street View HG2 0HY

Nearby

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

Type	Name	Distance
Bus stop	Harlow Oval	0.2 miles
Shop	One Stop	0.2 miles
Train station	Hornbeam Park	1.1 miles
Hospital	Harrogate District Hospital	1.7 miles
University	Leeds Trinity University	9.9 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Bedrooms

Bathrooms

Floor area

106 m²

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£510,000 Feb 2026

Price per m²

£4,811/m²

Local average

£457,030 (48 sales)

Street crime

89 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 10/04/2019

Expiry date: 09/04/2029

Current heating cost: £870/year

Potential heating cost: £653/year

Est. upgrade cost to C: £13,725

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

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
Cavity wall insulation (£500 - £1,500)
Floor insulation (suspended floor) (£800 - £1,200)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£5,000 - £8,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	20/02/2026	£510,000	Semi-detached	—	£506,308 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	£510,000
listed	05/08/2025	£500,000
sold	01/01/2020	£416,500
sold	01/01/2007	£265,000

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
30 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AJ	£291,000	26/01/2026	Semi-detached
40 HARLOW PARK CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AW	£505,000	26/01/2026	Semi-detached
15 HARLOW PARK ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0AN	£350,000	07/11/2025	Semi-detached
93 OTLEY ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0DU	£640,000	24/09/2025	Semi-detached
57 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AJ	£272,000	28/03/2025	Semi-detached
39 HARLOW AVENUE, HARROGATE, NORTH YORKSHIRE, HG2 0AS	£367,000	17/02/2025	Semi-detached
9 WHARFEDALE CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AX	£458,000	19/12/2023	Semi-detached
6 HARLOW PARK DRIVE, HARROGATE, NORTH YORKSHIRE, HG2 0AR	£337,000	10/11/2023	Semi-detached
13 PANNAL ASH CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0HT	£586,000	03/11/2023	Semi-detached
24 HARLOW PARK CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AW	£295,000	04/10/2023	Semi-detached
99 OTLEY ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0AG	£647,500	21/09/2023	Semi-detached
68 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AL	£327,500	24/07/2023	Semi-detached
33 WHARFEDALE AVENUE, HARROGATE, NORTH YORKSHIRE, HG2 0AU	£345,000	14/07/2023	Semi-detached
73 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AL	£411,123	14/07/2023	Semi-detached
57 PANNAL ASH DRIVE, HARROGATE, NORTH YORKSHIRE, HG2 0HX	£425,000	14/07/2023	Semi-detached
7 PANNAL ASH GROVE, HARROGATE, NORTH YORKSHIRE, HG2 0HY	£520,000	16/06/2023	Semi-detached
56 PANNAL ASH DRIVE, HARROGATE, NORTH YORKSHIRE, HG2 0HS	£510,000	05/05/2023	Semi-detached
38 HARLOW PARK ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0AN	£445,000	10/03/2023	Semi-detached
32 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AJ	£282,000	02/03/2023	Semi-detached
3 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AP	£265,000	21/12/2022	Semi-detached

Area average: £413,956 (20 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 23.5%

10y growth 44.6%

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

1y (index) 7.5%

5y (index) 25.2%

10y (index) 53.2%

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 in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Flat, Harlow Moor Drive, HG2	£1,450/mo	2	0.57 miles	OpenRent
1 Bed Flat, Valley Drive, HG2	£950/mo	1	0.67 miles	OpenRent
2 Bed Maisonette, Radcliffe Court, HG2	£895/mo	2	0.7 miles	OpenRent
1 Bed Flat, St Marys Avenue, HG2	£1,000/mo	1	0.79 miles	OpenRent

Average rent: £1,074/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.19%

Max investor price (0.8%) £121,875

Target investor price (1%) £97,500

Gross yield 2.3%

Cost-to-rent ratio 43.6×

Monthly cashflow £-1,156/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -9.4%

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
Anti-social behaviour	23
Shoplifting	18
Other theft	9
Criminal damage and arson	6
Public order	4
Vehicle crime	2
Burglary	1
Drugs	1
Total incidents	89

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
Rossett Acre Primary School	Primary	0.2 miles	Good — 21 Sep 2022
Rossett School	Secondary	0.3 miles	Requires improvement — 19 Jan 2023
Harrogate Grammar School	Secondary	0.3 miles	Outstanding — 8 May 2022
Ashville College	Other	0.5 miles	— (No rating)
Western Primary School	Primary	0.7 miles	Outstanding — 25 Jun 2018

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
28/11/2005	14/09/2005	11	—

# 31 PANNAL ASH GROVE, HARROGATE, NORTH YORKSHIRE, HG2 0HY

## Property details

- Slug: `8e34045` (address key hash: `8e34045fa4fa0bf2976c3aac601878348df78e28`)
- Postcode: HG2 0HY
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Bedrooms: 3
- Bathrooms: 1
- Floor area: 106 m²
- EPC rating: D
- Year built: England and Wales: 1930-1949
- Last sold: £510,000 Feb 2026
- Price per m²: £4,811/m²
- Local average: £457,030 (48 sales)
- Street crime: 89 incidents within 1 mile (May 2026)

## Latest sale

- Price: £510,000
- Date: 2026-02-20
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 09/04/2029
- **Current heating cost:** £870/year
- **Est. upgrade cost to C:** £13,725

### Recommendations
- A (£100 - £350)
- B (£500 - £1,500)
- W1 (£800 - £1,200)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0458-2870-6540-9791-9011)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-20 | £510,000 | Semi-detached | — | £506,308 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-8c7a-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 |
|---------|-------|------|------|
| 31 PANNAL ASH GROVE, HARROGATE, NORTH YORKSHIRE, HG2 0HY | £510,000 | 20/02/2026 | Semi-detached |

## Historic listings

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

- Matched listing: [165366329](http://87.117.209.195:8080/listings/b1db0fd)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £510,000 |
| listed | 2025-08-05 | £500,000 |
| sold | 2020-01-01 | £416,500 |
| sold | 2007-01-01 | £265,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 30 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AJ | £291,000 | 26/01/2026 | Semi-detached |
| 40 HARLOW PARK CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AW | £505,000 | 26/01/2026 | Semi-detached |
| 15 HARLOW PARK ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0AN | £350,000 | 07/11/2025 | Semi-detached |
| 93 OTLEY ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0DU | £640,000 | 24/09/2025 | Semi-detached |
| 57 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AJ | £272,000 | 28/03/2025 | Semi-detached |
| 39 HARLOW AVENUE, HARROGATE, NORTH YORKSHIRE, HG2 0AS | £367,000 | 17/02/2025 | Semi-detached |
| 9 WHARFEDALE CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AX | £458,000 | 19/12/2023 | Semi-detached |
| 6 HARLOW PARK DRIVE, HARROGATE, NORTH YORKSHIRE, HG2 0AR | £337,000 | 10/11/2023 | Semi-detached |
| 13 PANNAL ASH CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0HT | £586,000 | 03/11/2023 | Semi-detached |
| 24 HARLOW PARK CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AW | £295,000 | 04/10/2023 | Semi-detached |
| 99 OTLEY ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0AG | £647,500 | 21/09/2023 | Semi-detached |
| 68 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AL | £327,500 | 24/07/2023 | Semi-detached |
| 33 WHARFEDALE AVENUE, HARROGATE, NORTH YORKSHIRE, HG2 0AU | £345,000 | 14/07/2023 | Semi-detached |
| 73 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AL | £411,123 | 14/07/2023 | Semi-detached |
| 57 PANNAL ASH DRIVE, HARROGATE, NORTH YORKSHIRE, HG2 0HX | £425,000 | 14/07/2023 | Semi-detached |
| 7 PANNAL ASH GROVE, HARROGATE, NORTH YORKSHIRE, HG2 0HY | £520,000 | 16/06/2023 | Semi-detached |
| 56 PANNAL ASH DRIVE, HARROGATE, NORTH YORKSHIRE, HG2 0HS | £510,000 | 05/05/2023 | Semi-detached |
| 38 HARLOW PARK ROAD, HARROGATE, NORTH YORKSHIRE, HG2 0AN | £445,000 | 10/03/2023 | Semi-detached |
| 32 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AJ | £282,000 | 02/03/2023 | Semi-detached |
| 3 HARLOW CRESCENT, HARROGATE, NORTH YORKSHIRE, HG2 0AP | £265,000 | 21/12/2022 | Semi-detached |

**Area average:** £413,956 (20 sales)

## Capital growth trend

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

- **5y growth:** 23.5%
- **10y growth:** 44.6%

## House Price Index (HM Land Registry)

*Official index for Yorkshire and The Humber; Semi-detached series; as of April 2026.*

- **1y growth (index):** 7.5%
- **5y growth (index):** 25.2%
- **10y growth (index):** 53.2%

## 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 in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Harlow Moor Drive, HG2 | £1,450/mo | 2 | 0.57 miles | OpenRent |
| 1 Bed Flat, Valley Drive, HG2 | £950/mo | 1 | 0.67 miles | OpenRent |
| 2 Bed Maisonette, Radcliffe Court, HG2 | £895/mo | 2 | 0.7 miles | OpenRent |
| 1 Bed Flat, St Marys Avenue, HG2 | £1,000/mo | 1 | 0.79 miles | OpenRent |

**Average rent: £1,074/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.19% (weak for cashflow)
- **Max investor price (0.8%):** £121,875
- **Target investor price (1%):** £97,500

*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 £975/mo).*

- **Gross yield:** 2.3%
- **Cost-to-rent:** 43.6×
- **Monthly cashflow:** £-1,156/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -9.4%

*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 |
| Anti-social behaviour | 23 |
| Shoplifting | 18 |
| Other theft | 9 |
| Criminal damage and arson | 6 |
| Public order | 4 |
| Vehicle crime | 2 |
| Burglary | 1 |
| Drugs | 1 |
| **Total incidents** | **89** |

*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 |
|------|------|----------|--------|
| Rossett Acre Primary School | Primary | 0.2 miles | Good — 21 Sep 2022 |
| Rossett School | Secondary | 0.3 miles | Requires improvement — 19 Jan 2023 |
| Harrogate Grammar School | Secondary | 0.3 miles | Outstanding — 8 May 2022 |
| Ashville College | Other | 0.5 miles | — (No rating) |
| Western Primary School | Primary | 0.7 miles | Outstanding — 25 Jun 2018 |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #3241672
- **Address:** 31 Pannal Ash Grove, HARROGATE, HG2 0HY
- **Certificate Issued:** 28/11/2005
- **Work Completed:** 14/09/2005
- **Items:** 11 window(s)