# 1 bedroom house for sale (HG4 1JG) ## Property Details | Key | Value | |-----|-------| | Address | 28 URE BANK TERRACE, RIPON, NORTH YORKSHIRE HG4 1JG | | Price | £185,000 | | Bedrooms | 1 | | Bathrooms | 1 | | Council tax | TBC | | Last sold | £182,000 Jan 2026 | ## EPC Rating & Upgrade Cost - **Current rating:** D - **Potential rating:** C - **Expiry date:** 11/09/2035 - **Current heating cost:** £899/year - **Est. upgrade cost to C:** £25,750 ### Recommendations - Q (£7,500 - £11,000) - W2 (£5,000 - £10,000) - U (£8,000 - £10,000) [View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1235-0121-5000-0262-0296) ## Description This pretty end of terrace cottage has been renovated to a high standard. Tucked away at the end of a no through road overlooking open fields and the river Ure the property is offered with no onward chain. Internal viewings are highly recommended This character cottage benefits from a good size living room with feature brick built fireplace, a refitted kitchen with space for a table and an understairs utility cupboard. To the first floor the landing has a feature skylight window and provides loft access. The main bedroom located to the front enjoys a lovely outlook over open fields, the rear bedroom is a small single room perfect for use as a dressing room or home office. A refitted bathroom completes the first floor. Situated at the end of the row, number 28 benefits from a lawned enclosed front garden, a generous side driveway providing off road parking and a small private paved rear yard. Ure Bank Terrace is situated on the North side of Ripon, within easy reach of the historic Cathedral city which provides an excellent range of services and amenities including a weekly market, a diverse range of independent shops and supermarkets, a number of restaurants and bars, Ripon city racecourse, golf course and leisure centre. The A1M is 4 miles to the East and the East Coast mainline railway station at Northallerton is 18 miles to the North. ## Property Photos - ![Picture No. 16](/listings/photos/167105846/1231491) - Picture No. 16 - ![Picture No. 06](/listings/photos/167105846/1231492) - Picture No. 06 - ![Picture No. 19](/listings/photos/167105846/1231493) - Picture No. 19 - ![Picture No. 10](/listings/photos/167105846/1231495) - Picture No. 10 - ![Picture No. 03](/listings/photos/167105846/1231497) - Picture No. 03 - ![Picture No. 12](/listings/photos/167105846/1231498) - Picture No. 12 - ![Picture No. 09](/listings/photos/167105846/1231499) - Picture No. 09 - ![Picture No. 08](/listings/photos/167105846/1231500) - Picture No. 08 - ![Picture No. 14](/listings/photos/167105846/1231501) - Picture No. 14 - ![Picture No. 05](/listings/photos/167105846/1231502) - Picture No. 05 - ![Picture No. 07](/listings/photos/167105846/1231503) - Picture No. 07 - ![Picture No. 13](/listings/photos/167105846/1231504) - Picture No. 13 - ![Picture No. 15](/listings/photos/167105846/1231505) - Picture No. 15 - ![Picture No. 21](/listings/photos/167105846/1231506) - Picture No. 21 - ![Bedroom](/listings/photos/167105846/1231507) - Bedroom ## Floorplans - ![Floorplan](/listings/photos/167105846/1231508) - Floorplan ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 28 URE BANK TERRACE, RIPON, NORTH YORKSHIRE, HG4 1JG | £182,000 | 30/01/2026 | 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] THE COACH HOUSE URE BANK TERRACE, RIPON, NORTH YORKSHIRE, HG4 1JG | £810,000 | 29/08/2024 | Detached | | [Same street] THE BARN URE BANK TERRACE, RIPON, NORTH YORKSHIRE, HG4 1JG | £615,000 | 02/11/2023 | Detached | | [Same street] 32 URE BANK TERRACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JG | £190,000 | 22/07/2022 | Terraced | | [Same street] 31 URE BANK TERRACE, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 1JG | £175,000 | 09/03/2022 | Terraced | **Street average:** £447,500 (4 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £619,686 (5 Other, HG4, 2024–2026) - **Deviation:** -70.1% ## Rental Range *ONS Price Index of Private Rents (Yorkshire and The Humber). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £770/mo - **Realistic:** £856/mo - **Optimistic:** £942/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Harrogate (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £593/mo ## 1% Rule - **Rent ratio:** 0.46% (weak for cashflow) - **Max investor price (0.8%):** £107,000 - **Target investor price (1%):** £85,600 *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 Area rent estimate.* ## Price per Square Metre - **£/m²:** £3,700/m² ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 21.6% ## House Price Index (HM Land Registry) *Official index for Yorkshire and The Humber; All dwelling types series; as of April 2026.* - **1y growth (index):** 7.1% - **5y growth (index):** 22.7% - **10y growth (index):** 49% ## 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)