20 Cottarville, Northampton, NN3 3ES

UPRN:15020039-Beds -Built 1950-1966

Tenure: -Council Tax: Band CEPC: D (66)

Data freshness:Price Paid· freshPlanning· 4mo agoEPC· 2mo 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

18 of 21 sources

Sale Estimate

£349,000

£314k - £383kMedium

Estimate

£349k

Range

£314k – £383k

Rent Estimate (pcm)

£1,800

£2k - £2k

Monthly

£1,800

Yield

6.65%

Verdict

Derived from HomePortfolio scores

20 Cottarville earns an INVESTIGATE rating with HP Score 71/100. Investment score 60/100 reflects moderate fundamentals. Crime intensity is low. Walkability is limited (54/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. 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 company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

71/ 100

Mixed

Investment Score

60/ 100

Moderate

Crime Score

23/ 100

Moderate

Walkability

54/ 100

Moderate

Transit & Bike

Transit 28Bike 59

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£325,000

At the asking price

Monthly rent£1,800/mo

Evidenced range £1,650-£1,900

Interest rate5.4%

Loan to value75%

Cash required: £105,050
Net cash flow: £149/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£349,000

Rent Estimate (pcm)£1,800

Gross Yield6.65%

1y Growth-

3y Growth+0.0%

5y Growth+1.2%

10y Growth+3.7%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NN3 3ES

Approval Rate

-12mo

Development

low

2026/4274/PA
Determination as to whether prior approval is required (under Schedule 2, Part 14, Class J of the above Order) for installation of 162 x Canadian Solar 460w roof mounted 74.52kW solar PV system
Pending
2026/4126/HH
Porch Extension, loft conversion, raising of roof, rear dormer, rooflights (front roof slope) and rendering of property.
Pending
2026/3993/HH
Proposed garage conversion with new entrance porch and extended roof over dwelling
Pending

View Planning Timeline

Ownership

Corporate Ownership71.8%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease Type-
Last Ownership Change-
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£33,059

Population Density5,272 /km²

Owner Occupied63%

Age Distribution

0-15 22%16-64 56%65+ 22%

View Area Profile

Schools Nearby

Weston Favell CofE Primary School
0.1 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Headlands Primary School
0.2 mi
Good
Weston Favell Academy
0.3 mi
Good
The Arbours Primary Academy
0.6 mi
Outstanding

1 of 12 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

28 Cottarville
-
£316k
-
13 Cottarville
-
£405k
-
33 Cottarville
-
£375k
-
31 Cottarville
-
£325k
-

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