5 Middlewest Road, Kettering, NN15 7PA

UPRN:10094093715Semi-Detached House4 bedsBuilt 2021

FreeholdCouncil Tax: Band CEPC: B (85)

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

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

£337,000

£320k - £354kHigh

Estimate

£337k

Range

£320k – £354k

Rent Estimate (pcm)

£1,600

£2k - £2k

Monthly

£1,600

Yield

5.91%

Verdict

Derived from HomePortfolio scores

5 Middlewest Road earns an INVESTIGATE rating with HP Score 72/100. Investment score 61/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (65/100). 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

72/ 100

Mixed

Investment Score

61/ 100

Moderate

Crime Score

32/ 100

Moderate

Walkability

65/ 100

Moderate

Transit & Bike

Transit 39Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence1 independent sourceListing checked 4 Nov 2026

This rests largely on a single source. Treat the score as a prompt to investigate, not a conclusion.

Valuation edge2.5/15
claims [AVM +3.6% (HIGH), sold-comps +15.6%, £/sqft +15.6%] → measured edge +0.50pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp
Market estimate used (HIGH confidence) · snapshot 13 Oct 2026
- valuation_snapshotsestimate for 10094093715· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 20%· as of 24 Oct 2026
Rental economics6.4/40
gross yield 5.9%; range width penalty ×0.89
- valuation_snapshotsrent estimate 1600/mo (range 1500-1750)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -325/mo, -20% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 4 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 52 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge
- portal_listingsprice_changes + first_published_date· as of 4 Nov 2026
Risk & liquidity14.6/15
485 sales/12mo in area; valuation range width 10%
- property_intelligencetransactions_12mo

4 of 4 components scored. Ranks on gross yield, the stress margin, risk and disclosed facts. A pricing claim earns only its measured edge: today 0 for the market estimate and at most +0.5pp for sold evidence. The score itself is not yet checked against the outcomes of homes it scored.

Economics

What happens to your money

Price sensitivity

£244,000£374,000

The same scorer re-run at hypothetical asking prices, holding rent, comps and listing history constant. Not a prediction of what the seller would accept.

Your assumptions

Purchase price£325,000

At the asking price

Monthly rent£1,600/mo

Evidenced range £1,500-£1,750

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: £11/mo
Cash on cash: 0.1%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.46 - clears the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsestimate for 10094093715Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 6 comps, dispersion 20%Valuation edge · as of 24 Oct 2026
valuation_snapshotsrent estimate 1600/mo (range 1500-1750)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 4 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 4 Nov 2026

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Rental economics needs verification before you rely on it
rent estimate 1600/mo (range 1500-1750)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 52 days on market; homes with a cut sold 0.2-0.3pp further below the cut ask, which is not an edge

Property risk deep-dive →

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Treat the gap to the estimate as unproven - compare recent sold prices on the street yourself before pricing an offer around it.
On later completions, homes listed below their estimate sold at the same share of the asking price as the rest.
3. 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£337,000

Rent Estimate (pcm)£1,600

Gross Yield5.91%

1y Growth-

3y Growth-2.5%

5y Growth+1.1%

10y Growth+3.5%

Last Sold Price£315,000 (2022-09-01)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NN15 7PA

Approval Rate

-12mo

Development

low

26/03150/TPO
Holly (T1) - Sectionally dismantle down to ground level. Tree is dead. Risk of failure across footpath in care home grounds and also over public footpath on main road and causing injury/damage. High target area. Yew (T2) - Remove snapped limb on southern aspect Snapped limb with hazard beam in lower crown on southern aspect. Risk of failure and causing injury/damage. Birch (T3) - Crown reduce by 1.5 metres in height and spread on all aspects, leaving a finished height of 8 metres and spread on all aspects of 3 metres. Crown lift over public footpath up to 2.4 metres above footpath. Pruning cuts to be made back to suitable branch junctions, not exceeding 1/3 of the parent branch diameter Crown is heavily encroaching on building, care home signage, public footpath and road. Works will ensure that crown is maintained at a suitable size for location. Cedar (T6) - Prune back on northern aspect by 2 metres, leaving a finished spread on northern aspect of 8 metres. Pruning cuts to be made back to suitable branch junctions, not exceeding 1/3 of the parent branch diameter. Remove dead wood over 50mm diameter throughout crown. Inspect old topping points, where tree has historically been reduced in height. Crown is heavily encroaching on care home building. Over-extended limbs over building, which are prone to failure in high winds, due to exposed location. Dead wood at risk of failure and causing injury to users of the site and neighbouring property. Vertical regrowth from old topping points is substantial, thus all old pruning points require inspection, to ascertain if the unions are weak and at risk of failure. High target area. Willow (T13) - Crown reduce by 2 metres in height and spread on all aspects, leaving a finished height of 7 metres and spread on all aspects of 3 metres. Pruning cuts to be made back to suitable branch junctions, not exceeding 1/3 of the parent branch diameter. Multiple wounds on main stems caused by squirrel damage. Limbs at risk of failing...
Pending
26/03170/HFUL
Loft conversion with rear flat roof dormer and two rooflights to front roof slope
Pending
26/03056/NMA
Non material amendment pursuant to NK/2023/0324 for the relocation of the entrance doors to apartments 10a, b and c, positioning of external electrical cabinets and proposed new pedestrian access to serve flat 10a
Pending

View Planning Timeline