Shared ownership

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Shared ownership

1/19

3 bed house for sale Mill Gardens, Silsden, BD20

Asking Price

£139,500

Added on 31/08/2026

45% share · about £310,000 full value

Type: Semi-detached
Bedrooms: 3
Bathrooms: 2
Size: £82 per sq ft
Tenure: Leasehold

Service charge £255 a year EPC B 84 potential A

* From the agent's description. Check it with them before you rely on it.

Key features

**ALSO AVAILABLE AT 100% OWNERSHIP**
NO ONWARD CHAIN
THREE WELL-PROPORTIONED BEDROOMS
MODERN STONE-BUILT, SEMI-DETACHED PROPERTY
PRIVATE ENCLOSED REAR GARDEN
UTILITY ROOM & GROUND FLOOR W.C
SPACIOUS DINING KITCHEN
PRINCIPAL BEDROOM WITH EN-SUITE SHOWER ROOM
IDEAL FAMILY HOME
CLOSE TO LOCAL AMENITIES

About this property

PROPERTY DETAILS

Occupying a pleasant position within the recently constructed Mill Gardens development, this beautifully presented three-bedroom home offers buyers a particularly exciting and flexible route into modern home ownership, being available to purchase at either 100% ownership or as a 45% Shared Ownership purchase in conjunction with Yorkshire Housing, subject to eligibility and the relevant terms.

Floorplan

Energy performance

B 84

Current

Potential

92+

95 A

81-91

84 B

69-80

55-68

39-54

21-38

1-20

This home is rated band B, scoring 84 out of 100. The average British home is band D. Its certificate says it could reach band A (95) if the improvements it recommends were carried out.

Read from the certificate published with this listing, so it may not be the latest one. Check the government EPC register for the full certificate and its recommendations.

Council tax

Ask agent

Per year

Band A

£1,696
Band B

£1,979
Band C

£2,262
Band D

£2,544
Band E

£3,110
Band F

£3,675
Band G

£4,241
Band H

£5,089

The agent hasn't said which band this home is in; you can look it up on GOV.UK. In North Yorkshire, 2026/27 bills run from £1,696 a year in band A to £5,089 in band H.

Figures from MHCLG (Open Government Licence v3): the average bill for each band across North Yorkshire, including the typical parish precept, so a parish's own bill can differ a little. Discounts lower the bill, such as 25% off for an adult living alone.

Property timeline

Listed

August 2026 £139,500

3 beds · 2 baths · this listing

Past sales can't be shown: the agent hasn't given the house number.

Location

Mill Gardens, Silsden, BD20

Open map Street View

Mortgage and stamp duty

Property price £139,500

£69k £210k

Deposit10% £14,000

£0 £140k

Interest rate 4.5%

0.5% 15%

Repayment period 25 years

5 years 40 years

A £125,500 mortgage. Most lenders would want a household income of about £28,000 to support it.

A guide only, for a capital repayment mortgage. The rate you are offered and what you can borrow depend on your circumstances and a full application with a lender or broker. Your home may be repossessed if you do not keep up repayments on your mortgage.

Properties sold nearby

HM Land Registry sales nearby. Floor areas from Energy Performance Certificates where matched.

Address	Type	Sold	Size	Size	£/sq ft	Price
29, Mill Gardens Semi-detached	Semi-detached	Apr 2025	893 sq ft £91/sq ft	893 sq ft	£91	£81,000
9, Mill Gardens Semi-detached · new build	Semi-detached · new build	Aug 2023	947 sq ft £90/sq ft	947 sq ft	£90	£85,500
29, Mill Gardens Semi-detached · new build	Semi-detached · new build	Jun 2023	893 sq ft £90/sq ft	893 sq ft	£90	£80,685