Sold Cottage

ARCH COTTAGE

HIGH STREET, WHITBY, RUSWARP, NORTH YORKSHIRE YO21 1NH

2 beds 1 baths 969 sq ft Listed 21 Apr 2025 (-413d)

£220,000

Guide Price

Save

# 2 bedroom cottage for sale (YO21 1NH)

## Property Details

| Key | Value |
|-----|-------|
| Address | ARCH COTTAGE, HIGH STREET, WHITBY, RUSWARP, NORTH YORKSHIRE YO21 1NH |
| Price | £220,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 90 m² |
| Last sold | £147,500 May 2018 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £1,146/year
- **Est. upgrade cost to C:** £25,600

### Recommendations
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- 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/2248-8089-6253-7510-3264)

## Description

Hope & Braim are delighted to present Arch Cottage in Ruswarp to the market.

Tucked away off the High Street is this terraced cottage that comes with a large garden and is located close to village amenities, including a Primary School, Village Pub, and Butchers. The cottage gets its name from the archway that leads through the alley to the rear of the building where the entrance door and path to the garden is. There are three floors of accommodation with an open plan kitchen/diner on the ground floor, a lounge and bathroom on the first floor, and two bedrooms on the top floor. The kitchen has fitted cabinets with solid Beech Worktops, whilst the dining room has a fireplace with a multi-fuel stove and a window to the front elevation. The lounge upstairs is the full width of the cottage including the space over the alley and has two large windows that flood the room with natural light and there is also another multi-fuel stove that adds warmth and character. The bathroom has a three-piece bathroom suite with a shower over the bath, a wash hand basin and a WC. On the top floor there are two bedrooms with the principal bedroom offering scope to be converted into two bedrooms, creating a third bedroom, if needed. The cottage will require some refurbishment but does benefit from having new gas central heating and double-glazing throughout. A real surprise is the “secret garden” that is hidden at the back of the terrace that is generous and will be of interest to those keen on gardening. There is also a brick outhouse located behind the terrace in addition to the garden shed and the greenhouse within the parcel of land.

## Property Photos

- ![Photo](/listings/photos/160931894/636865)
- ![Photo](/listings/photos/160931894/636866)
- ![Photo](/listings/photos/160931894/636867)
- ![Photo](/listings/photos/160931894/636868)
- ![Photo](/listings/photos/160931894/636869)
- ![Photo](/listings/photos/160931894/636870)
- ![Photo](/listings/photos/160931894/636871)
- ![Photo](/listings/photos/160931894/636872)
- ![Photo](/listings/photos/160931894/636873)
- ![Photo](/listings/photos/160931894/636874)
- ![Photo](/listings/photos/160931894/636875)
- ![Photo](/listings/photos/160931894/636876)
- ![Photo](/listings/photos/160931894/636877)
- ![Photo](/listings/photos/160931894/636878)
- ![Photo](/listings/photos/160931894/636879)
- ![Photo](/listings/photos/160931894/636880)
- ![Photo](/listings/photos/160931894/636881)
- ![Photo](/listings/photos/160931894/636882)
- ![Photo](/listings/photos/160931894/636883)
- ![Photo](/listings/photos/160931894/636884)
- ![Photo](/listings/photos/160931894/636885)
- ![Photo](/listings/photos/160931894/636886)
- ![Photo](/listings/photos/160931894/636887)
- ![Photo](/listings/photos/160931894/636889)
- ![Photo](/listings/photos/160931894/636891)

## Floorplans

- ![Floorplan 1](/listings/photos/160931894/636892) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/160931894/636894) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| ARCH COTTAGE HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £147,500 | 30/05/2018 | 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 |
|---------|-------|------|------|
| 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 |
| THE STONE HOUSE THE AVENUE, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NG | £650,000 | 20/06/2022 | Detached |
| CHESTNUT HOUSE RUSWARP BANK, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NF | £525,000 | 28/06/2021 | Detached |

**Area average:** £509,500 (5 sales)

## Price vs local average

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

- **Local average:** £567,036 (14 Detached, YO21, 2024–2026)
- **Deviation:** -61.2%

## 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):** £549/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 |
|------|------|------|------|------|
| 2 Bed Semi-Detached House, Kingfisher Drive, YO22 | £850/mo | 2 | 0.77 miles | OpenRent |
| 2 Bed Semi-Detached House, Chancel Way, YO21 | £895/mo | 2 | 1.07 miles | OpenRent |
| 2 Bed Terraced House, Loggerhead Yard, YO21 | £750/mo | 2 | 1.16 miles | OpenRent |

**Average rent: £832/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.39% (weak for cashflow)
- **Max investor price (0.8%):** £106,250
- **Target investor price (1%):** £85,000

*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 £850/mo).*

- **Gross yield:** 4.6%
- **Cost-to-rent:** 21.6×
- **Monthly cashflow:** £-126/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.4%

*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).*

## Price per Square Metre

- **£/m²:** £2,444/m²

## Capital growth trend

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

- **5y growth:** 135.1%
- **10y growth:** 70.1%

## 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)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8 Photo 9 Photo 10 Photo 11 Photo 12 Photo 13 Photo 14 Photo 15 Photo 16 Photo 17 Photo 18 Photo 19 Photo 20 Photo 21 Photo 22 Photo 23 Photo 24 Photo 25

/ 25

Property details

Tenure

FREEHOLD

Floor area

90 m²

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£147,500 May 2018

Price per m²

£2,444/m²

Local average

£567,036 (-61.2%)

Deprivation

Decile 8 (26,821 of 33,755)

Street crime

24 incidents within 1 mile (Mar 2026)

Key features

Terraced Cottage with a Garden
Requires some Refurbishment
2 Reception Rooms with Multi-Fuel Stoves
2 Double Bedrooms & Bathroom
Gas Central Heating & Double-Glazing
Large Garden with a Shed & Greenhouse
Close to Village Amenities including a Pub & Butchers

Additional details

Garden: Private garden

Description

Hope & Braim are delighted to present Arch Cottage in Ruswarp to the market.

Tucked away off the High Street is this terraced cottage that comes with a large garden and is located close to village amenities, including a Primary School, Village Pub, and Butchers. The cottage gets its name from the archway that leads through the alley to the rear of the building where the entrance door and path to the garden is. There are three floors of accommodation with an open plan kitchen/diner on the ground floor, a lounge and bathroom on the first floor, and two bedrooms on the top floor. The kitchen has fitted cabinets with solid Beech Worktops, whilst the dining room has a fireplace with a multi-fuel stove and a window to the front elevation. The lounge upstairs is the full width of the cottage including the space over the alley and has two large windows that flood the room with natural light and there is also another multi-fuel stove that adds warmth and character. The bathroom has a three-piece bathroom suite with a shower over the bath, a wash hand basin and a WC. On the top floor there are two bedrooms with the principal bedroom offering scope to be converted into two bedrooms, creating a third bedroom, if needed. The cottage will require some refurbishment but does benefit from having new gas central heating and double-glazing throughout. A real surprise is the “secret garden” that is hidden at the back of the terrace that is generous and will be of interest to those keen on gardening. There is also a brick outhouse located behind the terrace in addition to the garden shed and the greenhouse within the parcel of land.

Listed by

Whitby

Hope & Braim Estate Agents

Reference: 160931894

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 24/07/2020

Current heating cost: £1,146/year

Potential heating cost: £537/year

Est. upgrade cost to C: £25,600

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

Recommendations

Room-in-roof insulation (£1,500 - £2,700)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Solar water heating (£4,000 - £6,000)
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

EPC 1

Price history

Event	Date	Price	% change
Sold	30/05/2018 (8 years ago)	£147,500	—

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
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
THE STONE HOUSE THE AVENUE, RUSWARP, WHITBY, NORTH YORKSHIRE, YO21 1NG	£650,000	20/06/2022	Detached
CHESTNUT HOUSE RUSWARP BANK, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NF	£525,000	28/06/2021	Detached

Area average: £509,500 (5 sales)

Capital growth trend

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

5y growth 135.1%

10y growth 70.1%

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: £549/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	0.0 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	11
Anti-social behaviour	4
Other theft	3
Criminal damage and arson	2
Burglary	1
Public order	1
Robbery	1
Shoplifting	1
Total incidents	24

Within 1 mile during Mar 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
2 Bed Semi-Detached House, Kingfisher Drive, YO22	£850/mo	2	0.77 miles	OpenRent
2 Bed Semi-Detached House, Chancel Way, YO21	£895/mo	2	1.07 miles	OpenRent
2 Bed Terraced House, Loggerhead Yard, YO21	£750/mo	2	1.16 miles	OpenRent

Average rent: £832/mo (3 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.39%

Max investor price (0.8%) £106,250

Target investor price (1%) £85,000

Gross yield 4.6%

Cost-to-rent ratio 21.6×

Monthly cashflow £-126/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -2.4%

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).