Sold Terraced

9 SILVER STREET

RIPON, MASHAM, NORTH YORKSHIRE HG4 4DX

2 beds 1 baths 1,905 sq ft Listed 19 Jul 2023 (-1049d)

£280,000

Guide Price

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# 2 bedroom terraced house for sale (HG4 4DX)

## Property Details

| Key | Value |
|-----|-------|
| Address | 9 SILVER STREET, RIPON, MASHAM, NORTH YORKSHIRE HG4 4DX |
| Price | £280,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: before 1900 |
| Floor area | 177 m² |
| Last sold | £190,000 Nov 2021 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Current heating cost:** £4,562/year
- **Est. upgrade cost to C:** £21,600

### Recommendations
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- D (£80 - £120)
- 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/2120-7040-9070-4098-3591)

## Description

This stunning two bedroom character property is centrally located in the highly sought after North Yorkshire market town of Masham and benefits from recently having been fully renovated.

Available with no above chain is this superb character home which sympathetically combines the contemporary and the traditional.

On entering the property from well-regarded Silver Street you find a newly fitted shaker style kitchen complete with fitted hob / oven and extractor fan, the kitchen is open plan through to a dining area which benefits from a log burner and a staircase leads to the first floor accomodation. The living room has been tastefully decorated and features intricate wood beam shelving and access to the cellar.

The first floor features two spacious double bedrooms and a well-proportioned bathroom with a three piece suite.

The rear of the property benefits from a yard accessed from the landing. The is storage to be found in the yard also.

Masham is a highly popular market town which is centred around a marketplace, with a twice weekly market, variety of shops, services, pubs and restaurants. There is an active local community, and the town also offers a primary school, nurseries and sporting facilities including a golf course and cricket club. Swinton Park estate is nearby and offers fishing, clay pigeon shooting and much more.

Heading into Masham from The Avenue turn left onto Silver Street where you will find the property om the right identified by our for sale board.

## Property Photos

- ![The Property](/listings/photos/137601977/579141) - The Property
- ![Living Room](/listings/photos/137601977/579143) - Living Room
- ![Kitchen](/listings/photos/137601977/579146) - Kitchen
- ![Kitchen](/listings/photos/137601977/579150) - Kitchen
- ![Bedroom](/listings/photos/137601977/579152) - Bedroom
- ![Bedroom](/listings/photos/137601977/579157) - Bedroom
- ![Bathroom](/listings/photos/137601977/579162) - Bathroom
- ![Living Room](/listings/photos/137601977/579165) - Living Room
- ![Kitchen](/listings/photos/137601977/579170) - Kitchen
- ![Kitchen](/listings/photos/137601977/579171) - Kitchen
- ![Landing](/listings/photos/137601977/579175) - Landing
- ![Rear Courtyard](/listings/photos/137601977/579179) - Rear Courtyard

## Floorplans

- ![Floorplan](/listings/photos/137601977/579188) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/137601977/579193) - EPC Rating Graph

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #15432128
- **Address:** 9 Silver Street, Masham, HG4 4DX
- **Certificate Issued:** 16/10/2022
- **Work Completed:** 07/10/2022
- **Items:** 3 window(s), 1 door(s)

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 9 SILVER STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DX | £190,000 | 29/11/2021 | Terraced |
| 9 SILVER STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DX | £170,000 | 30/03/2010 | Terraced |
| 9 SILVER STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DX | £105,000 | 22/02/2002 | Terraced |
| 9 SILVER STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DX | £64,000 | 23/08/2001 | 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 |
|---------|-------|------|------|
| 14 PARK STREET, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4HN | £245,000 | 12/12/2023 | Terraced |
| 37 THE OAKS, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4DT | £145,000 | 07/07/2023 | Terraced |
| CROWHAM HOUSE, 4 CHURCH STREET, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4DR | £445,000 | 15/06/2023 | Terraced |
| 3 MILLGATE, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4EQ | £430,000 | 30/05/2023 | Terraced |
| [Same street] REAH SILVER STREET, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4DX | £350,000 | 31/01/2023 | Other |
| 38 PARK STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HN | £230,000 | 20/12/2022 | Terraced |
| 56 PARK STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HN | £315,000 | 26/08/2022 | Terraced |
| 4 COLLEGE MEWS, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HE | £295,000 | 20/04/2022 | Terraced |
| 9 PARK STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HN | £240,000 | 04/03/2022 | Terraced |
| [Same street] 7 SILVER STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DX | £481,000 | 17/02/2022 | Other |
| 17 MARKET PLACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4EG | £260,000 | 30/11/2021 | Terraced |
| 5 WESTHOLME COURT, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HA | £163,500 | 30/09/2021 | Terraced |
| 5 LITTLE MARKET PLACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DY | £175,000 | 22/07/2021 | Terraced |
| 8 THORPE ROAD, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HZ | £238,000 | 13/07/2021 | Terraced |
| 13 MARKET PLACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DZ | £310,000 | 02/07/2021 | Terraced |
| GROMIT COTTAGE, 21A QUAKER TERRACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4EH | £210,000 | 25/06/2021 | Terraced |

**Street average:** £415,500 (2 sales)
**Area average:** £264,393 (14 sales)

## Price vs local average

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

- **Local average:** £256,575 (22 Terraced, HG4, 2024–2026)
- **Deviation:** +9.1%

## 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 Harrogate (Apr 2025 – Mar 2026).*

- **LHA floor (this property size):** £734/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 Terraced House, Morton Row, HG4 | £925/mo | 2 | 0.16 miles | OpenRent |
| 2 Bed Terraced House, Thorpe Road, HG4 | £750/mo | 2 | 0.2 miles | OpenRent |

**Average rent: £838/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.3% (weak for cashflow)
- **Max investor price (0.8%):** £104,750
- **Target investor price (1%):** £83,800

*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 £838/mo).*

- **Gross yield:** 3.6%
- **Cost-to-rent:** 27.9×
- **Monthly cashflow:** £-373/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -5.5%

*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:** £1,582/m²

## Capital growth trend

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

- **5y growth:** 9.5%
- **10y growth:** 14.7%

## House Price Index (HM Land Registry)

*Official index for Yorkshire and The Humber; Terraced series; as of February 2026.*

- **1y growth (index):** 4.2%
- **5y growth (index):** 23.7%
- **10y growth (index):** 56.6%

## 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)

The Property Living Room Kitchen Kitchen Bedroom Bedroom Bathroom Living Room Kitchen Kitchen Landing Rear Courtyard

/ 12

Property details

Tenure

FREEHOLD

Floor area

177 m²

Council tax band

EPC rating

Year built

England and Wales: before 1900

Last sold

£190,000 Nov 2021

Price per m²

£1,582/m²

Local average

£256,575 (+9.1%)

Deprivation

Decile 7 (20,267 of 33,755)

Street crime

3 incidents within 1 mile (Mar 2026)

Key features

Two double bedrooms
Sought after location
Well presented throughout
Gas fired heating
Rear courtyard
Double fronted
Recently renovated

Additional details

Garden: Yes

Description

This stunning two bedroom character property is centrally located in the highly sought after North Yorkshire market town of Masham and benefits from recently having been fully renovated.

Available with no above chain is this superb character home which sympathetically combines the contemporary and the traditional.

On entering the property from well-regarded Silver Street you find a newly fitted shaker style kitchen complete with fitted hob / oven and extractor fan, the kitchen is open plan through to a dining area which benefits from a log burner and a staircase leads to the first floor accomodation. The living room has been tastefully decorated and features intricate wood beam shelving and access to the cellar.

The first floor features two spacious double bedrooms and a well-proportioned bathroom with a three piece suite.

The rear of the property benefits from a yard accessed from the landing. The is storage to be found in the yard also.

Masham is a highly popular market town which is centred around a marketplace, with a twice weekly market, variety of shops, services, pubs and restaurants. There is an active local community, and the town also offers a primary school, nurseries and sporting facilities including a golf course and cricket club. Swinton Park estate is nearby and offers fishing, clay pigeon shooting and much more.

Heading into Masham from The Avenue turn left onto Silver Street where you will find the property om the right identified by our for sale board.

Listed by

Ripon

Dacre Son & Hartley

Reference: 137601977

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 17/10/2023

Current heating cost: £4,562/year

Potential heating cost: £2,187/year

Est. upgrade cost to C: £21,600

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)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Draughtproof single-glazed windows (£80 - £120)
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

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 1 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #15432128 Recent

Property Details

Street: 9 Silver Street

Town: Masham

Postcode: HG4 4DX

Installation Details

Items: 3 windows and 1 door

Certificate Issued: 16/10/2022

Work Completed: 07/10/2022

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

197% since 2001

Event	Date	Price	% change
Sold	29/11/2021 (4 years ago)	£190,000	+11.8%
Sold	30/03/2010 (16 years ago)	£170,000	+61.9%
Sold	22/02/2002 (24 years ago)	£105,000	+64.1%
Sold	23/08/2001 (24 years ago)	£64,000	—

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
14 PARK STREET, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4HN	£245,000	12/12/2023	Terraced
37 THE OAKS, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4DT	£145,000	07/07/2023	Terraced
CROWHAM HOUSE, 4 CHURCH STREET, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4DR	£445,000	15/06/2023	Terraced
3 MILLGATE, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4EQ	£430,000	30/05/2023	Terraced
Same street REAH SILVER STREET, MASHAM, RIPON, NORTH YORKSHIRE, HG4 4DX	£350,000	31/01/2023	Other
38 PARK STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HN	£230,000	20/12/2022	Terraced
56 PARK STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HN	£315,000	26/08/2022	Terraced
4 COLLEGE MEWS, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HE	£295,000	20/04/2022	Terraced
9 PARK STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HN	£240,000	04/03/2022	Terraced
Same street 7 SILVER STREET, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DX	£481,000	17/02/2022	Other
17 MARKET PLACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4EG	£260,000	30/11/2021	Terraced
5 WESTHOLME COURT, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HA	£163,500	30/09/2021	Terraced
5 LITTLE MARKET PLACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DY	£175,000	22/07/2021	Terraced
8 THORPE ROAD, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4HZ	£238,000	13/07/2021	Terraced
13 MARKET PLACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4DZ	£310,000	02/07/2021	Terraced
GROMIT COTTAGE, 21A QUAKER TERRACE, MASHAM, RIPON, HARROGATE, NORTH YORKSHIRE, HG4 4EH	£210,000	25/06/2021	Terraced

Street average: £415,500 (2 sales)

Area average: £264,393 (14 sales)

Capital growth trend

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

5y growth 9.5%

10y growth 14.7%

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

1y (index) 4.2%

5y (index) 23.7%

10y (index) 56.6%

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 Harrogate: £734/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View HG4 4DX

Nearby

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

Type	Name	Distance
Shop	Beavers	0.0 miles
Shop	Corks & Cases	0.0 miles
Bus stop	Masham Market Place	0.1 miles
Bus stop	Unknown	2.7 miles
Train station	Unknown	4.8 miles

Street-level crime

Category	Count
Violence and sexual offences	2
Burglary	1
Total incidents	3

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
Masham CofE VA Primary School	Primary	0.1 miles	Inadequate — 30 Apr 2024
Grewelthorpe Church of England Primary School	Primary	2.8 miles	Good — 21 Feb 2012
St Nicholas Church of England Primary School, West Tanfield	Primary	2.9 miles	Good — 6 May 2019
Thornton Watlass Church of England Primary School	Primary	2.9 miles	Good — 10 May 2023
Snape Community Primary School	Primary	3.5 miles	Good — 9 May 2023

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 Terraced House, Morton Row, HG4	£925/mo	2	0.16 miles	OpenRent
2 Bed Terraced House, Thorpe Road, HG4	£750/mo	2	0.2 miles	OpenRent

Average rent: £838/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.3%

Max investor price (0.8%) £104,750

Target investor price (1%) £83,800

Gross yield 3.6%

Cost-to-rent ratio 27.9×

Monthly cashflow £-373/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -5.5%

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).