# 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

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.

 

## 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, Horse Road, YO22 | £650/mo | 1 | 1.11 miles | OpenRent |

**Average rent: £650/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.39% (weak for cashflow)
- **Max investor price (0.8%):** £81,250
- **Target investor price (1%):** £65,000

*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 £650/mo).*

- **Gross yield:** 4.7%
- **Cost-to-rent:** 21.2×
- **Monthly cashflow:** £-90/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.3%

*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).*

## 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:** 53.3%
- **10y growth:** 91%

## 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)