3 Charles Street, Thrapston, Kettering, NN14 4NU

UPRN:10001195081Semi-Detached House3 bedsBuilt 2003-2006

FreeholdCouncil Tax: Band BEPC: C (77)

Data freshness:Listing· freshPlanning· 4mo agoOwnership· 1mo agoEPC· 3mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

3 Charles Street, Thrapston, Kettering, NN14 4NU

HP Score

/ 100

Mixed

Verdict

6 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Mixed signals - investigate

Evidence

18 of 21 sources

Sale Estimate

£269,000

£255k - £282kHigh

Estimate

£269k

Range

£255k – £282k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

5.11%

Verdict

Derived from HomePortfolio scores

3 Charles Street earns an INVESTIGATE rating with HP Score 69/100. Investment score 57/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (61/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket estimates (third-party AVM)HM Land Registry sales matched to addressDefra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry covenantsHM Land Registry leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

69/ 100

Mixed

Investment Score

57/ 100

Moderate

Crime Score

28/ 100

Moderate

Walkability

61/ 100

Moderate

Transit & Bike

Transit 15Bike 32

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is 'Sold subject to contract' - sale already progressing, not an actionable opportunity

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£270,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,050-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £85,800
Net cash flow: -£115/mo
Cash on cash: -1.6%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.26 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion

Property risk deep-dive →flood, subsidence, crime, environment - the full domain

Plan

Before you offer

1. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£269,000

Rent Estimate (pcm)£1,150

Gross Yield5.11%

1y Growth+130.4%

3y Growth-0.6%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price£179,950 (2016-06-10)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceSignificant
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NN14 4NU

Approval Rate

-12mo

Development

low

26/02990/TCA
T1 (Holly tree) Remove to ground level and grind out stump
Pending
26/02863/LDP
Brick infill to existing porch, single storey brick extensions to the side and rear and pitched roof over existing garage
Pending
26/01863/DEM
The hotel and all of the amalgamations that have been constructed unsafely and added to the rear of the building, including the boundary walls
Rejected

View Planning Timeline

Ownership

Corporate Ownership74%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2016-06-10
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

16 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,882

Population Density2,297 /km²

Owner Occupied61%

Age Distribution

0-15 17%16-64 61%65+ 22%

View Area Profile

Schools Nearby

Thrapston Primary School
0.3 mi
Inspected as Thrapston Primary School (URN 122111) on 21 Sep 2022
Progress Schools - Thrapston
0.5 mi
Inadequate
Titchmarsh Church of England Primary School
1.5 mi
Report card2026
Ofsted no longer awards a single overall grade.
Trinity Church of England Primary School
1.9 mi
Good

3 of 13 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

19 Charles Street
-
£135k
-
3A Charles Street
-
£258k
-
21 Charles Street
-
£112k
-
1A Charles Street
-
£265k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN