# 2 bedroom house for sale (YO21 1NH)

## Property Details

| Key | Value |
|-----|-------|
| Address | 3A, HIGH STREET, WHITBY, RUSWARP, NORTH YORKSHIRE YO21 1NH |
| Price | £160,000 |
| Bedrooms | 2 |
| Last sold | £150,000 Jul 2011 |

## Description

An updated 2 bedroom cottage situated within the popular village of Ruswarp, just outside Whitby, currently established as a holiday letting cottage with accommodation set out over three floors. The property has front and rear gardens and is available with vacant possession.  Improvements include a modern bath suite with a shower, a modern fitted kitchen and a gas central heating system.

From the path at the front of the house a traditional half-glazed panelled entrance door opens into:

Entrance Hall:  With a storage cupboard, fitted carpet and central heating radiator.  A half glazed inner door opens through to�

Living Room:  14'0 x 10'6 narrowing to 8'8  A cosy front room with a double glazed window overlooking the front garden, fitted carpet and central heating radiator.  The focal point of the room is a Valor Firelite gas fire with wood surround, tiled inset and hearth. Beamed ceiling, television point.  A door leads through to �

Inner Hall:  with staircase off to the first floor, fitted carpet, coat hooks and central heating radiator.  A door leads through to�

Kitchen:  12'7 x7'1 (max)   The kitchen has been updated with a range of wall and base units with a white finish under laminate worktops with integral equipment including a stainless steel single drainer sink unit, electric oven and hob.  Part tiled walls, central heating radiator, window to the rear and upvc double glazed door to the rear.  Vinyl flooring and extractor fan.

First Floor

The staircase rises from the inner hallway to a first floor landing with fitted carpet, central heating radiator and smoke alarm.  From here doors open to the bathroom and �

Bedroom 1:  10'11 x 10'1 (ave)  A good sized double bedroom with a double glazed window to the front and exposed beamed ceiling.  Fitted carpet, central heating radiator.

Bathroom:  9'0 (ave) x 7'2  Having a white three piece suite comprising a panel bath with Mira plumbed shower over, pedestal wash hand basin and low level WC. Part tiled walls, central heating radiator, window to the rear, extractor fan and vinyl flooring. Partitioned cupboard housing the Worcester combination central heating boiler and having plumbing for a washing machine.

Second Floor

The staircase rises from the first floor to a small first second floor landing with a door opening directly into �

Bedroom 2:  12'9 x10'4 (max)  An L shaped single or twin bedroom with a double glazed Velux rooflight window to the rear with fitted blind.  Wardrobe, fitted carpet, central heating radiator and hatch to eaves.

Outside

The property has a small graveled forecourt garden to the front for ease of maintenance.  To the rear of the cottage, a flight of stone steps lead up to a covered seating area and then a path leads to the rear where there is a larger garden with a paved patio area and a further area which has been mulched with wood chippings for ease of maintenance.

GENERAL REMARKS AND STIPULATIONS

Viewing:  By appointment with the selling agents Richardson and Smith (01947) 602298.

Directions: From the offices of Richardson & Smith, drive up Bagdale and take the first turning at the roundabout, up Prospect Hill. At the traffic lights at the top turn right towards Guisborough. Take the first turning again at the next roundabout, signed to Ruswarp and follow the road along, down the bank and into the village. Eskmoor Cottage lies on your right hand side where marked by the Richardson and Smith for sale board, just above and opposite Jacksons butchers shop.

Services: The property is understood to be connected to mains supplies of water, gas, electricity and drainage. The property has a gas central heating system from a Worcester combination style gas central heating boiler located in the cupboard in the bathroom.

Council Tax / Business Rates:  The property has been run as a holiday let in recent years and is therefore business rated.  The rateable value is £2300 per annum and therefore the rates currently payable for 2010/11 are £936.10 before reliefs.  Scarborough Borough Council Tel: 01723 232323

## Property Photos

- ![Front](/listings/photos/18160590/636735) - Front
- ![Rear](/listings/photos/18160590/636736) - Rear
- ![Rear Garden](/listings/photos/18160590/636737) - Rear Garden
- ![Sitting Room](/listings/photos/18160590/636738) - Sitting Room
- ![Kitchen](/listings/photos/18160590/636739) - Kitchen
- ![Bedroom 1](/listings/photos/18160590/636740) - Bedroom 1
- ![Bedroom 2](/listings/photos/18160590/636741) - Bedroom 2
- ![Bathroom](/listings/photos/18160590/636742) - Bathroom
- ![Front](/listings/photos/18160590/636743) - Front

## Floorplans

- ![Floorplan 1](/listings/photos/18160590/636744) - Floorplan 1

## EPC Graphs

- ![EPC 1](/listings/photos/18160590/636745) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3A HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £150,000 | 15/07/2011 | Semi-detached |
| 3A HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £46,500 | 11/06/1999 | Semi-detached |
| 3A HIGH STREET, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NH | £45,000 | 19/11/1998 | Semi-detached |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 3 CROFT FARM, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NY | £270,000 | 08/09/2022 | Other |
| 2 CROFT FARM, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1NY | £273,000 | 12/08/2022 | Other |
| GARAGE, 16 MILL COURT, RUSWARP, WHITBY, SCARBOROUGH, NORTH YORKSHIRE, YO21 1YL | £172,500 | 09/07/2021 | Other |

**Area average:** £238,500 (3 sales)

## Price vs local average

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

- **Local average:** £495,400 (5 Other, YO21, 2024–2026)
- **Deviation:** -67.7%

## 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, Chancel Way, YO21 | £895/mo | 2 | 1.07 miles | OpenRent |

**Average rent: £895/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.56% (weak for cashflow)
- **Max investor price (0.8%):** £111,875
- **Target investor price (1%):** £89,500

*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 £895/mo).*

- **Gross yield:** 6.7%
- **Cost-to-rent:** 14.9×
- **Monthly cashflow:** £150/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 3.9%

*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).*

## Capital growth trend

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

- **5y growth:** -7.9%
- **10y growth:** 738.9%

## House Price Index (HM Land Registry)

*Official index for Yorkshire and The Humber; All dwelling types series; as of March 2026.*

- **1y growth (index):** -0.2%
- **5y growth (index):** 20.3%
- **10y growth (index):** 53.5%

## 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)