# 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)