# 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)