# 7 CANAL WHARF, RIPON, NORTH YORKSHIRE, HG4 1AQ

## Property details

- Slug: `961ebfb` (address key hash: `961ebfbece93d99c500343538355b5b9444d9ece`)
- Postcode: HG4 1AQ
- Transactions on record: 1

- Tenure: Leasehold
- Property type: Flat
- Bedrooms: 3
- Bathrooms: 2
- Floor area: 116 m²
- EPC rating: C
- Year built: England and Wales: 1996-2002
- Last sold: £350,000 Mar 2026
- Price per m²: £3,017/m²
- Local average: £190,329 (14 sales)
- Street crime: 1 incidents within 1 mile (Jul 2026)

## Latest sale

- Price: £350,000
- Date: 2026-03-30
- Type: F
- Tenure: L

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 04/08/2034
- **Current heating cost:** £945/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0330-2875-3480-2604-3035)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-30 | £350,000 | Flat | — | £354,142 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b84-4c60-b8d0-e063-4704a8c08d98) |

*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 |
|---------|-------|------|------|
| 7 CANAL WHARF, RIPON, NORTH YORKSHIRE, HG4 1AQ | £350,000 | 30/03/2026 | Flat |

## Historic listings

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

- Matched listing: [169776818](http://87.117.209.195:8080/listings/4088bbe)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £350,000 |
| listed | 2025-11-27 | £350,000 |
| sold | 2003-01-01 | £187,500 |
| sold | 2001-01-01 | £148,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 10 WATERSIDE, RIPON, NORTH YORKSHIRE, HG4 1RA | £280,000 | 09/01/2026 | Flat |
| IDDESLEIGH HOUSE, 17A FLAT 4 BONDGATE GREEN, RIPON, NORTH YORKSHIRE, HG4 1QW | £130,000 | 28/11/2025 | Flat |
| 25 FLAT 2 BONDGATE GREEN, RIPON, NORTH YORKSHIRE, HG4 1QW | £159,000 | 13/10/2023 | Flat |
| 18 BEDERN BANK, RIPON, NORTH YORKSHIRE, HG4 1PE | £150,000 | 18/08/2023 | Flat |
| 14 WATERSIDE, RIPON, NORTH YORKSHIRE, HG4 1RA | £199,950 | 09/06/2023 | Flat |
| ECON HOUSE, 1 FLAT 3 BONDGATE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1QD | £105,000 | 26/08/2022 | Flat |
| ECON HOUSE, 1 FLAT 4 BONDGATE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1QD | £107,000 | 20/05/2022 | Flat |
| 53 BONDGATE GREEN LANE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1QQ | £164,995 | 29/04/2022 | Flat |
| ECON HOUSE, 1 FLAT 2 BONDGATE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1QD | £127,000 | 06/04/2022 | Flat |
| 18 WATERSIDE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1RA | £190,500 | 01/04/2022 | Flat |
| 25 FLAT 4 BONDGATE GREEN, RIPON, NORTH YORKSHIRE, HG4 1QW | £167,500 | 21/02/2022 | Flat |
| 25 FLAT 5 BONDGATE GREEN, RIPON, NORTH YORKSHIRE, HG4 1QW | £160,000 | 21/02/2022 | Flat |
| 25 FLAT 6 BONDGATE GREEN, RIPON, NORTH YORKSHIRE, HG4 1QW | £162,500 | 21/02/2022 | Flat |
| 25 FLAT 7 BONDGATE GREEN, RIPON, NORTH YORKSHIRE, HG4 1QW | £162,500 | 21/02/2022 | Flat |
| 14 WATERSIDE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1RA | £163,500 | 21/01/2022 | Flat |

**Area average:** £161,963 (15 sales)

## Capital growth trend

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

- **5y growth:** 1.2%
- **10y growth:** 106.3%

## House Price Index (HM Land Registry)

*Official index for Yorkshire and The Humber; Flats and maisonettes series; as of June 2026.*

- **1y growth (index):** 0.5%
- **5y growth (index):** 1%
- **10y growth (index):** 29.1%

## Rental Range

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

- **Low:** £778/mo
- **Realistic:** £864/mo
- **Optimistic:** £950/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 |
|------|------|------|------|------|
| 3 Bed Terraced House, Bedern Bank, HG4 | £1,095/mo | 3 | 0.21 miles | OpenRent |
| 3 Bed Semi-Detached House, Duck Hill, HG4 | £2,750/mo | 3 | 0.27 miles | OpenRent |
| 3 Bed Penthouse, Market Place South, HG4 | £3,000/mo | 3 | 0.35 miles | OpenRent |

**Average rent: £2,282/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.79% (weak for cashflow)
- **Max investor price (0.8%):** £343,750
- **Target investor price (1%):** £275,000

*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 £2,750/mo).*

- **Gross yield:** 9.4%
- **Cost-to-rent:** 10.6×
- **Monthly cashflow:** £1,072/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 12.7%

*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:** Job (default Low)

[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 | 1 |
| **Total incidents** | **1** |

*Within 1 mile during Jul 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 |
|------|------|----------|--------|
| Ripon Cathedral Church of England Primary School | Primary | 0.3 miles | Good — 15 Jun 2016 |
| Holy Trinity Church of England Infant and Nursery | Primary | 0.6 miles | Requires improvement — 21 May 2019 |
| Holy Trinity Church of England Junior School | Primary | 0.6 miles | Requires improvement — 19 Sep 2023 |
| St Wilfrid's Catholic Primary School, a Voluntary Academy | Primary | 0.6 miles | Outstanding — 12 Sep 2018 |
| Moorside Primary School & Nursery | Primary | 0.6 miles | Good — 19 Nov 2023 |