Sold STC Cottage

17 HIGH STREET

WHITBY, RUSWARP, NORTH YORKSHIRE YO21 1NH

1 beds 1 baths 538 sq ft Listed 8 Dec 2020 (-2015d)

£165,000

Guide Price

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# 1 bedroom cottage for sale (YO21 1NH)

## Property Details

| Key | Value |
|-----|-------|
| Address | 17 HIGH STREET, WHITBY, RUSWARP, NORTH YORKSHIRE YO21 1NH |
| Price | £165,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Construction age | England and Wales: before 1900 |
| Floor area | 50 m² |
| Last sold | £158,000 Feb 2021 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** B
- **Expiry date:** 14/11/2031
- **Est. upgrade cost to C:** £16,510

### Recommendations
- A3 (£1,500 - £2,700)
- E (£10)
- N (£4,000 - £6,000)
- O (£3,300 - £6,500)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/3539-3329-5109-0915-1292)

## Description

A pretty garden leads up to the cottage and once inside the cosy lounge welcomes you with the Inglenook Fire set within a stone fireplace. Leading on from the lounge is the kitchen/diner which includes fitted wall and base units and a range of integrated appliances. Up the stairs is a double bedroom and a house shower room which includes a large corner shower, w.c and hand basin. A further attic level with a vaulted ceiling and Velux window can be accessed from the first floor that provides a useful space which is ideal for storage.  Outside, the lovely enclosed patio area located to the rear is a real bonus and offers a private space to enjoy outside.

Ruswarp is a lovely riverside village that lies just 1.8 miles from Whitby and has all the village amenities such as a railway station, a Primary school, a pub and local shops.  Currently a holiday let,  the on-going bookings and contents can be negotiated, alternatively the cottage would make a lovely home or bolt hole.

To truly appreciate the warm and homely feel this cottage offers - viewing is simply a must. Contact Hendersons to arrange closer inspection.

## Property Photos

- ![Photo 30](/listings/photos/100901939/636643) - Photo 30
- ![Photo 16](/listings/photos/100901939/636645) - Photo 16
- ![Photo 9](/listings/photos/100901939/636647) - Photo 9
- ![Photo 22](/listings/photos/100901939/636649) - Photo 22
- ![Photo 17](/listings/photos/100901939/636651) - Photo 17
- ![Photo 21](/listings/photos/100901939/636653) - Photo 21
- ![Photo 14](/listings/photos/100901939/636654) - Photo 14
- ![Photo 11](/listings/photos/100901939/636655) - Photo 11
- ![Photo 27](/listings/photos/100901939/636656) - Photo 27
- ![Photo 12](/listings/photos/100901939/636657) - Photo 12
- ![Photo 13](/listings/photos/100901939/636658) - Photo 13
- ![Photo 15](/listings/photos/100901939/636659) - Photo 15
- ![Photo 19](/listings/photos/100901939/636660) - Photo 19
- ![Photo 28](/listings/photos/100901939/636661) - Photo 28

## Floorplans

- ![Floorplan 1](/listings/photos/100901939/636662) - Floorplan 1

## EPC Graphs

- ![Energy Perform...](/listings/photos/100901939/636663) - Energy Perform...

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 17 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £158,000 | 12/02/2021 | Terraced |
| 17 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £144,500 | 15/03/2017 | Terraced |
| 17 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £46,000 | 01/10/1999 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| [Same street] 13 HIGH STREET, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NH | £257,500 | 26/07/2024 | Terraced |
| [Same street] 36 HIGH STREET, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NH | £357,500 | 04/03/2024 | Detached |
| THE STABLES MILL COURT, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1YL | £370,000 | 21/07/2023 | Detached |
| GARDEN HOUSE RUSWARP FIELDS, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NL | £645,000 | 06/04/2023 | Detached |
| [Same street] 33 HIGH STREET, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NH | £100,000 | 31/03/2023 | Terraced |
| THE STONE HOUSE THE AVENUE, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NG | £650,000 | 20/06/2022 | Detached |
| [Same street] LUCY'S COTTAGE, 21 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £187,000 | 14/04/2022 | Terraced |
| [Same street] 14 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £210,995 | 04/03/2022 | Terraced |
| [Same street] 20 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £315,000 | 25/02/2022 | Terraced |
| [Same street] 28A HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £210,000 | 02/07/2021 | Semi-detached |
| CHESTNUT HOUSE RUSWARP BANK, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NF | £525,000 | 28/06/2021 | Detached |

**Street average:** £233,999 (7 sales)
**Area average:** £547,500 (4 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £567,036 (14 Detached, YO21, 2024–2026)
- **Deviation:** -70.9%

## Rental Range

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

- **Low:** £770/mo
- **Realistic:** £855/mo
- **Optimistic:** £941/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £424/mo

## 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, Kingfisher Drive, YO22 | £495/mo | 1 | 0.84 miles | OpenRent |
| 1 Bed Flat, Whitby, YO21 | £400/mo | 1 | 0.99 miles | OpenRent |
| 1 Bed Flat, Horse Road, YO22 | £650/mo | 1 | 1.11 miles | OpenRent |

**Average rent: £515/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.3% (weak for cashflow)
- **Max investor price (0.8%):** £61,875
- **Target investor price (1%):** £49,500

*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 £495/mo).*

- **Gross yield:** 3.6%
- **Cost-to-rent:** 27.8×
- **Monthly cashflow:** £-229/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -5.8%

*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).*

## Price per Square Metre

- **£/m²:** £3,300/m²

## Capital growth trend

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

- **5y growth:** 79.4%
- **10y growth:** 55.1%

## House Price Index (HM Land Registry)

*Official index for Yorkshire and The Humber; Detached series; as of March 2026.*

- **1y growth (index):** 1.2%
- **5y growth (index):** 19.6%
- **10y growth (index):** 49.5%

## 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)

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Property details

Tenure

FREEHOLD

Floor area

50 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£158,000 Feb 2021

Price per m²

£3,300/m²

Local average

£567,036 (-70.9%)

Deprivation

Decile 8 (26,821 of 33,755)

Street crime

36 incidents within 1 mile (Apr 2026)

Key features

Idyllic character cottage
1 bedroom
Desirable village location
Currently a successful holiday let
Pretty rear patio

Additional details

Garden: Yes

Description

If you’re in the market for a character cottage then look no further. Found in the small village of Ruswarp, Croft Cottage is a one bed property which oozes charm with many traditional cottage features such as wooden ceiling beams, exposed brick and rustic décor.

A pretty garden leads up to the cottage and once inside the cosy lounge welcomes you with the Inglenook Fire set within a stone fireplace. Leading on from the lounge is the kitchen/diner which includes fitted wall and base units and a range of integrated appliances. Up the stairs is a double bedroom and a house shower room which includes a large corner shower, w.c and hand basin. A further attic level with a vaulted ceiling and Velux window can be accessed from the first floor that provides a useful space which is ideal for storage. Outside, the lovely enclosed patio area located to the rear is a real bonus and offers a private space to enjoy outside.

Ruswarp is a lovely riverside village that lies just 1.8 miles from Whitby and has all the village amenities such as a railway station, a Primary school, a pub and local shops. Currently a holiday let, the on-going bookings and contents can be negotiated, alternatively the cottage would make a lovely home or bolt hole.

To truly appreciate the warm and homely feel this cottage offers - viewing is simply a must. Contact Hendersons to arrange closer inspection.

Listed by

Whitby

Henderson Property Services(Yorkshire) Ltd

Reference: 100901939

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: B

Inspection date: 15/11/2021

Expiry date: 14/11/2031

Est. upgrade cost to C: £16,510

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

Recommendations

Room-in-roof insulation (£1,500 - £2,700)
Low energy lighting for all fixed outlets (£10)
Solar water heating (£4,000 - £6,000)
Replace single glazed windows with low-E double glazing (£3,300 - £6,500)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

EPC Graphs

Energy Perform...

Price history

243% since 1999

Event	Date	Price	% change
Sold	12/02/2021 (5 years ago)	£158,000	+9.3%
Sold	15/03/2017 (9 years ago)	£144,500	+214.1%
Sold	01/10/1999 (26 years ago)	£46,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

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

Address	Price	Date	Type
Same street 13 HIGH STREET, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NH	£257,500	26/07/2024	Terraced
Same street 36 HIGH STREET, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NH	£357,500	04/03/2024	Detached
THE STABLES MILL COURT, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1YL	£370,000	21/07/2023	Detached
GARDEN HOUSE RUSWARP FIELDS, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NL	£645,000	06/04/2023	Detached
Same street 33 HIGH STREET, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NH	£100,000	31/03/2023	Terraced
THE STONE HOUSE THE AVENUE, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NG	£650,000	20/06/2022	Detached
Same street LUCY'S COTTAGE, 21 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH	£187,000	14/04/2022	Terraced
Same street 14 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH	£210,995	04/03/2022	Terraced
Same street 20 HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH	£315,000	25/02/2022	Terraced
Same street 28A HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH	£210,000	02/07/2021	Semi-detached
CHESTNUT HOUSE RUSWARP BANK, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NF	£525,000	28/06/2021	Detached

Street average: £233,999 (7 sales)

Area average: £547,500 (4 sales)

Capital growth trend

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

5y growth 79.4%

10y growth 55.1%

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

1y (index) 1.2%

5y (index) 19.6%

10y (index) 49.5%

Rental Range

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

Low £770/mo

Realistic £855/mo

Optimistic £941/mo

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

LHA (30th percentile) floor for Scarborough: £424/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View YO21 1NH

Nearby

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

Type	Name	Distance
Shop	Jackson's Butchers	0.0 miles
Shop	Colin Duck Grocers & Off Licence	0.1 miles
Bus stop	Ruswarp (Parish Church / Bus Shelter)	0.1 miles
Bus stop	Bus Stop (Ruswarp C of E Primary School)	0.1 miles
Train station	Ruswarp	0.1 miles
Hospital	Whitby Hospital	1.0 miles
Train station	Whitby	1.1 miles

Street-level crime

Category	Count
Violence and sexual offences	15
Anti-social behaviour	6
Other theft	5
Criminal damage and arson	3
Public order	3
Bicycle theft	1
Burglary	1
Other crime	1
Vehicle crime	1
Total incidents	36

Within 1 mile during Apr 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
Ruswarp Church of England Voluntary Controlled Primary School	Primary	0.1 miles	Requires improvement — 25 Sep 2023
Airy Hill Primary School	Primary	0.7 miles	Good — 19 May 2016
Whitby School	Secondary	0.8 miles	Requires improvement — 21 Jan 2024
Stakesby Primary Academy	Primary	0.9 miles	Good — 30 Mar 2023
International Christian Language School for Functional English	Other	1.0 miles	— (No rating)

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, Kingfisher Drive, YO22	£495/mo	1	0.84 miles	OpenRent
1 Bed Flat, Whitby, YO21	£400/mo	1	0.99 miles	OpenRent
1 Bed Flat, Horse Road, YO22	£650/mo	1	1.11 miles	OpenRent

Average rent: £515/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.3%

Max investor price (0.8%) £61,875

Target investor price (1%) £49,500

Gross yield 3.6%

Cost-to-rent ratio 27.8×

Monthly cashflow £-229/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -5.8%

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).