5 Mccowen Close, Luton, LU1 5FR

UPRN:10090734302Semi-Detached House2 bedsBuilt 2012 onwards

FreeholdCouncil Tax: Band BEPC: B (81)

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

HP Score

/ 100

Mixed

Verdict

4 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£298,000

£283k - £313kHigh

Estimate

£298k

Range

£283k – £313k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

6.62%

Verdict

Derived from HomePortfolio scores

5 Mccowen Close earns an INVESTIGATE rating with HP Score 65/100. Investment score 66/100 reflects moderate fundamentals. Crime intensity is moderate. Walkability is limited (56/100). 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)Defra 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

65/ 100

Mixed

Investment Score

66/ 100

Moderate

Crime Score

46/ 100

Elevated

Walkability

56/ 100

Moderate

Transit & Bike

Transit 20Bike 29

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

listing is held on a lease but the UPRN is valued as a freehold house - the listing is likely a unit within the building

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£289,950

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,700

Interest rate5.4%

Loan to value75%

Cash required: £92,783
Net cash flow: £129/mo
Cash on cash: 1.7%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.64 - 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£298,000

Rent Estimate (pcm)£1,600

Gross Yield6.62%

1y Growth-

3y Growth+0.1%

5y Growth-0.5%

10y Growth+3.9%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningLow
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0LU1 5FR

Approval Rate

-12mo

Development

low

CB/26/03159/FULL
Erection of five dwellings with vehicular access, hard and soft landscaping, private gardens and parking
Pending
26/01037/FUL
Conversion and change of use from dwellinghouse (Use Class C3) to residential children's home (Use Class C2), for one child/young person aged 5 -18 years, with associated care staff.
Pending
CB/26/02950/FULL
Retrospective Planning Permission for the Change of Use of Three Agricultural Buildings to storage under B8 use class.
Pending

View Planning Timeline

Ownership

Corporate Ownership59.4%
Overseas OwnershipNo
Lease Term Remaining87 yrs
CovenantsNone
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

5 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£28,741

Population Density-

Owner Occupied37%

Age Distribution

0-15 26%16-64 63%65+ 11%

View Area Profile

Schools Nearby

St Margaret of Scotland Catholic Primary School
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.
Whipperley Infant Academy
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
The Stockwood Park Academy
0.4 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Farley Junior Academy
0.5 mi
Outstanding

2 of 9 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

1 Mccowen Close
-
£275k
-

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