21 The Ride, Desborough, Kettering, NN14 2HZ

UPRN:10007874558Terrace Property4 bedsBuilt 2007-2011

FreeholdCouncil Tax: Band CEPC: C (78)

Data freshness:Listing· freshPlanning· 6mo agoOwnership· 1mo agoEPC· 4mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

21 The Ride, Desborough, Kettering, NN14 2HZ

HP Score

/ 100

Mixed

Verdict

5 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£249,000

£237k - £262kHigh

Estimate

£249k

Range

£237k – £262k

Rent Estimate (pcm)

£1,150

£1k - £1k

Monthly

£1,150

Yield

5.52%

Verdict

Derived from HomePortfolio scores

21 The Ride earns an INVESTIGATE rating with HP Score 62/100. Investment score 46/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (23/100). 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 NationsOfcom mobile coverageMarket 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

62/ 100

Mixed

Investment Score

46/ 100

Mixed

Crime Score

21/ 100

Moderate

Walkability

23/ 100

Low

Transit & Bike

Transit 6Bike 22

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£250,000

At the asking price

Monthly rent£1,150/mo

Evidenced range £1,100-£1,250

Interest rate5.4%

Loan to value75%

Cash required: £78,800
Net cash flow: -£48/mo
Cash on cash: -0.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.36 - 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£249,000

Rent Estimate (pcm)£1,150

Gross Yield5.52%

1y Growth+64.1%

3y Growth-0.6%

5y Growth+1.4%

10y Growth+3.5%

Last Sold Price£140,000 (2008-12-12)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideModerate
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

1NN14 2HZ

Approval Rate

-12mo

Development

low

26/02481/FUL
Erection of one detached 2-bedroom dwelling
Rejected
26/02423/FUL
Change of use to create commercial storage facility (use class B8 storage) and placement of up to 50 x storage containers
Pending
26/01856/MPO
Modification of S106 agreement pursuant to KET/2011/0235. Residential development of up to 700 dwellings including provision of a local centre, primary school, green infrastructure and creation of accesses. Amendment of local centre requirements.
Pending

View Planning Timeline

Ownership

Corporate Ownership74%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2008-12-12
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,882

Population Density1,433 /km²

Owner Occupied67%

Age Distribution

0-15 26%16-64 66%65+ 8%

View Area Profile

Schools Nearby

Havelock Infant School
0.4 mi
Outstanding
Havelock Junior School
0.5 mi
Good
Loatlands Primary School
0.7 mi
Good
Montsaye Academy
1.7 mi
Inspected as Montsaye Academy (URN 137049) on 1 Nov 2023

0 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

8 The Ride
-
£265k
-
46 The Ride
-
£310k
-
4 The Ride
-
£325k
-
44 The Ride
-
£345k
-

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