14 Middlemore, Northampton, NN3 5DE

UPRN:15009959End Terrace House2 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band AEPC: D (64)

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

HP Score

/ 100

Mixed

Verdict

today

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

Evidence

19 of 21 sources

Sale Estimate

£172,000

£164k - £181kHigh

Estimate

£172k

Range

£164k – £181k

Rent Estimate (pcm)

£1,050

£1k - £1k

Monthly

£1,050

Yield

7.64%

Verdict

Derived from HomePortfolio scores

14 Middlemore earns an INVESTIGATE rating with HP Score 67/100. Investment score 50/100 reflects below-average fundamentals. Crime intensity is low. Walkability is limited (46/100). 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

67/ 100

Mixed

Investment Score

50/ 100

Mixed

Crime Score

22/ 100

Moderate

Walkability

46/ 100

Mixed

Transit & Bike

Transit 14Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Reduced confidence2 independent sourcesListing checked 3 Nov 2026

Fewer independent sources agree, or a component could not be scored.

Valuation edge2.5/15
claims [AVM +4.1% (HIGH), sold-comps +15.4%, £/sqft +15.2%] → 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 15009959· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.6%· as of 30 Oct 2026
Rental economics21.1/40
gross yield 7.6%; range width penalty ×1.00
- valuation_snapshotsrent estimate 1050/mo (range 1000-1100)· as of 13 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -54/mo, -5% 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 3 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 39 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 3 Nov 2026
Risk & liquidity14.7/15
702 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

£124,000£189,500

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£165,000

At the asking price

Monthly rent£1,050/mo

Evidenced range £1,000-£1,100

Interest rate5.4%

Loan to value75%

Cash required: £51,600
Net cash flow: £170/mo
Cash on cash: 4.0%
Score at this price: 38

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.89 - 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 15009959Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 11.6%Valuation edge · as of 30 Oct 2026
valuation_snapshotsrent estimate 1050/mo (range 1000-1100)Rental economics · as of 13 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 3 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 3 Nov 2026

Risks

What could kill this deal

Score confidence is reduced
fewer independent sources agree, or a component could not be scored
Rental economics needs verification before you rely on it
rent estimate 1050/mo (range 1000-1100)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 39 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£172,000

Rent Estimate (pcm)£1,050

Gross Yield7.64%

1y Growth-

3y Growth+0.0%

5y Growth+1.2%

10y Growth+3.7%

Last Sold Price£121,000 (2021-01-07)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NN3 5DE

Approval Rate

-12mo

Development

low

2026/3722/COND
Discharge of Condition 18 [BNG] of Planning Permission 2025/1769/MAF [Demolition of existing building and the erection of two employment units (B8 use), including an additional access from Stone Circle Road and other associated works and infrastructure]
Pending
2026/3721/COND
Discharge of Condition 3 [Construction Management Plan] of Planning Permission 2025/1769/MAF [Demolition of existing building and the erection of two employment units (B8 use), including an additional access from Stone Circle Road and other associated works and infrastructure]
Approved
2026/3725/COND
Discharge of Condition 21 [Drainage Details] of Planning Permission 2025/1769/MAF [Demolition of existing building and the erection of two employment units (B8 use), including an additional access from Stone Circle Road and other associated works and infrastructure]
Approved

View Planning Timeline