532 Kettering Road North, Northampton, NN3 6HN

UPRN:15018251Semi-Detached House3 bedsBuilt 1930-1949

FreeholdCouncil Tax: Band DEPC: C (74)

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

532 Kettering Road North, Northampton, NN3 6HN

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

19 of 21 sources

Sale Estimate

£405,000

£385k - £425kHigh

Estimate

£405k

Range

£385k – £425k

Rent Estimate (pcm)

£2,100

£2k - £2k

Monthly

£2,100

Yield

4.03%

Verdict

Derived from HomePortfolio scores

532 Kettering Road North earns an INVESTIGATE rating with HP Score 65/100. Investment score 54/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (49/100). 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

65/ 100

Mixed

Investment Score

54/ 100

Moderate

Crime Score

31/ 100

Moderate

Walkability

49/ 100

Mixed

Transit & Bike

Transit 19Bike 61

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesLead to verifyListing checked 5 Nov 2026

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

Check before relying on this score: the advert has 5 bedrooms but the valuation snapshot describes 3 - an extension, conversion or HMO the evidence does not reflect, or a different home. It ranks after every home whose inputs are verified.

Valuation edge-1.6/15
claims [AVM -54.3% (HIGH), sold-comps -93.5%, £/sqft -93.2%] → measured edge -0.33pp of the ask; on later-registered sales an AVM discount carried no edge and a sold-evidence gap at most +0.5pp; asking more than 10% above the estimate (measured -0.33pp)
Market estimate used (HIGH confidence) · snapshot 9 Oct 2026
- valuation_snapshotsestimate for 15018251· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 19.1%· as of 23 Oct 2026
Rental economics0/40
gross yield 4.0%; range width penalty ×0.96
- valuation_snapshotsrent estimate 2100/mo (range 1950-2200)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,223/mo, -58% 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 5 Nov 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 60 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 5 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

£469,000£719,000

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£625,000

At the asking price

Monthly rent£2,100/mo

Evidenced range £1,950-£2,200

Interest rate5.4%

Loan to value75%

Cash required: £210,050
Net cash flow: -£656/mo
Cash on cash: -3.7%
Score at this price: 13

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.00 - below 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 15018251Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 9 comps, dispersion 19.1%Valuation edge · as of 23 Oct 2026
valuation_snapshotsrent estimate 2100/mo (range 1950-2200)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 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 2100/mo (range 1950-2200)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 60 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. 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£405,000

Rent Estimate (pcm)£2,100

Gross Yield4.03%

1y Growth+0.9%

3y Growth+0.0%

5y Growth+1.2%

10y Growth+3.7%

Last Sold Price£200,000 (2012-06-15)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NN3 6HN

Approval Rate

-12mo

Development

low

2026/4210/COND
Discharge of condition 12 (Bat Survey) for planning permission 2025/1288/MAF - Demolition of Moulton Fire Station, associated structures and two storey standalone building. Repair existing on site fire training tower and smoke house training facility. Construction of 3 storey Fire Station and an associated storage building with vehicle canopy, with associated vehicle parking, and hard and soft landscaping and alterations to the existing vehicles accesses
Pending
2026/4271/HH
First floor side extension above existing ground floor extension
Pending
2026/3951/HH
Single storey side extension forming a garage.
Pending

View Planning Timeline