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£710,000 Guide Price
Bedrooms
Bathrooms
This impressive four bedroom / two bathroom end of terrace Victorian villa is conveniently located for excellent local amenities including shops, public transport and Harrogate Grammar School.
With handsome stone elevations, gas fired heating, professionally overhauled slate roof and restored sash windows this fine example of Victorian design reveals sympathetically upgraded accommodation of excellent proportions (over 2400 sqft) arranged over four floors.
A welcoming reception hall leads to an elegant sitting room with windows to two elevations including a front bay feature. The dining room and adjoining kitchen with fitted cabinets and gas fired Aga form an ideal place for relaxing and entertaining whilst a useful utility room, and study/ playroom are situated on an intermediate level.
In all there are four excellent family bedrooms and two bathrooms - ideal for the busy and growing family. These are served by two stylishly appointed bathrooms and a separate guest cloakroom.
Front gardens comprise neatly laid out walled lawns with an enclosed and gated rear courtyard providing additional recreation space and off road parking. Local residents also enjoy the informal use of parking on a private side lane off Otley Road.
For the family buyer there can be few better locations with a choice of schools for all age groups, local supermarket and hostelry, a vibrant range of amenities on Cold Bath Road, delightful walks in the nearby Pinewoods and regular bus services into Harrogate town centre.
Tenure, Services & Parking
Freehold
All mains services are installed
Gated parking within rear courtyard
Internet & Mobile Coverage
The Ofcom website shows internet available from at least 1 provider. Outdoor mobile coverage (excl 5G) likely from at least 1 of the UKs 4 main providers. Results are predictions not a guarantee & may differ subject to circumstances, exact location & network outages
Flooding
Check for flooding in England - GOV.UK indicate the long term flood risks for this property are: - Surface Water - Very low; Rivers & the Sea - Very low, Groundwater - Flooding from groundwater is unlikely in this area; Reservoir - Flooding from reservoirs is unlikely in this area.
Agents Notes :
Interested parties should note that the vendor is an employee of Dacre Son and Hartley.
Any issue such as location, communications or condition of the property are of material importance to your decision to view then please discuss these priorities with us before making arrangements to view.
Proceeding out of Harrogate from the Prince of Wales roundabout on Otley Road and past the Grammar School continue through the next traffic lights and 64 Otley Road will be identified on the right hand side by our for sale board
Your property may be repossessed if you do not keep up repayments on your mortgage.
Monthly Payment: £3,070.51
Total Interest: £395,385.31
Overall Total: £1,105,385.31
Amortization For Monthly Payment: £3,070.51 over 30 years ( Based on 3.20% Interest )
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 2025 | £22,510.96 | £14,335.21 | £695,664.79 |
| 2026 | £22,045.45 | £14,800.73 | £680,864.06 |
| 2027 | £21,564.82 | £15,281.36 | £665,582.70 |
| 2028 | £21,068.58 | £15,777.60 | £649,805.10 |
| 2029 | £20,556.22 | £16,289.95 | £633,515.14 |
| 2030 | £20,027.23 | £16,818.95 | £616,696.20 |
| 2031 | £19,481.06 | £17,365.12 | £599,331.08 |
| 2032 | £18,917.15 | £17,929.02 | £581,402.05 |
| 2033 | £18,334.93 | £18,511.24 | £562,890.81 |
| 2034 | £17,733.81 | £19,112.37 | £543,778.44 |
| 2035 | £17,113.16 | £19,733.01 | £524,045.43 |
| 2036 | £16,472.36 | £20,373.81 | £503,671.61 |
| 2037 | £15,810.75 | £21,035.42 | £482,636.19 |
| 2038 | £15,127.66 | £21,718.52 | £460,917.67 |
| 2039 | £14,422.38 | £22,423.80 | £438,493.87 |
| 2040 | £13,694.20 | £23,151.98 | £415,341.90 |
| 2041 | £12,942.37 | £23,903.80 | £391,438.10 |
| 2042 | £12,166.13 | £24,680.04 | £366,758.05 |
| 2043 | £11,364.69 | £25,481.49 | £341,276.56 |
| 2044 | £10,537.21 | £26,308.97 | £314,967.60 |
| 2045 | £9,682.87 | £27,163.31 | £287,804.28 |
| 2046 | £8,800.78 | £28,045.40 | £259,758.89 |
| 2047 | £7,890.04 | £28,956.13 | £230,802.75 |
| 2048 | £6,949.74 | £29,896.44 | £200,906.31 |
| 2049 | £5,978.89 | £30,867.28 | £170,039.03 |
| 2050 | £4,976.52 | £31,869.65 | £138,169.38 |
| 2051 | £3,941.60 | £32,904.57 | £105,264.81 |
| 2052 | £2,873.08 | £33,973.10 | £71,291.71 |
| 2053 | £1,769.85 | £35,076.33 | £36,215.38 |
| 2054 | £630.80 | £36,215.38 | £0.00 |
Using your investment as a 25.00% deposit and £ 5,833 in costs for purchasing and getting ready to let.
Stamp Duty is a tax paid on completion via your solicitor, the calculation includes the 3% surcharge for second homes.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The refurbishment budget is set to 2.50% of the purchase price, but this will vary dependent on the suitability of the property for the rental market. Select a value that you feel is appropriate to the condition of the property.
This will vary between lenders, type of report and whether or not you are buying with a mortgage, for advice on which type of survey would be appropriate speak with an advisor from Preston Baker Financial Services.
Lenders will often charge a fees for the arrangement of a mortgage, for advice on what lenders may charge, speak with an advisor from Preston Baker Financial Services. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the sum of mortgage admin, land registry, search, bank transfer and any other fees incurred.
Purchase costs include assumed mortgage and survey costs which are estimated. For a quote contact a Preston Baker Financial Services mortgage advisor who can provide you with current and accurate information. The stamp duty calculation has applid the 3% stamp duty surcharge on the basis that this will be a second property.
The mortgage is assumed to be interest only. Your home may be repossessed if you do not keep up repayments on your mortgage.
This is the percentage of the rent that you will spend maintaining the property.
Ground Rent only applies to leasehold properties. This is an assumed ground rent, the confirmed figure can be found in the Property Information Questionnaire.
Service charge only applies to leasehold properties. The correct figure can found in the Property Information Questionnaire answered by the seller.
This is a standard, indicative figure only. Properties that have a service charge often have this included withing that charge. Please consult the Property Information Questionnaire for more information.
Final Equity Profit = Final Property Value - Mortgage Required - Investment
Cumulative Rental Profit = Annual rental profit x Time of Investment
This is the assumed rate of house price inflation.
This is the property value at the end of the investment based on an assumed rate of % house price inflation.
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Fri May 23 2025
All confirmed! We look forward to speaking with you.
Fri May 23 2025
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