14 Garrick Road, Northampton, NN1 5ND

UPRN:15028312Mid Terrace House4 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band CEPC: D (65)

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoEPC· 3mo 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

£321,000

£305k - £337kHigh

Estimate

£321k

Range

£305k – £337k

Rent Estimate (pcm)

£1,550

£1k - £2k

Monthly

£1,550

Yield

6.41%

Verdict

Derived from HomePortfolio scores

14 Garrick Road earns an INVESTIGATE rating with HP Score 74/100. Investment score 52/100 reflects moderate fundamentals. Crime intensity is low. Walkability is good (78/100). 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

74/ 100

Mixed

Investment Score

52/ 100

Moderate

Crime Score

25/ 100

Moderate

Walkability

78/ 100

High

Transit & Bike

Transit 20Bike 63

Walk Score, out of 100

Opportunity

Why this could be an opportunity

Low confidence0 independent sourcesListing checked 30 Oct 2026

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

Valuation edge0/15
claims [AVM +9.7% (HIGH), sold-comps -5.1%, £/sqft -5.1%] → measured edge +0.00pp 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 9 Oct 2026
- valuation_snapshotsestimate for 15028312· as of 9 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%· as of 19 Oct 2026
Rental economics9.9/40
gross yield 6.4%; range width penalty ×0.88
- valuation_snapshotsrent estimate 1550/mo (range 1400-1650)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -214/mo, -14% 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 30 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 154 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 30 Oct 2026
Risk & liquidity14.6/15
342 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

£217,500£333,500

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£290,000

At the asking price

Monthly rent£1,550/mo

Evidenced range £1,400-£1,650

Interest rate5.4%

Loan to value75%

Cash required: £92,800
Net cash flow: £94/mo
Cash on cash: 1.2%
Score at this price: 24

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.58 - 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 15028312Valuation edge · as of 9 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 12 comps, dispersion 13.6%Valuation edge · as of 19 Oct 2026
valuation_snapshotsrent estimate 1550/mo (range 1400-1650)Rental economics · as of 9 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 30 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 30 Oct 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 1550/mo (range 1400-1650)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 154 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£321,000

Rent Estimate (pcm)£1,550

Gross Yield6.41%

1y Growth-6.7%

3y Growth-0.1%

5y Growth+0.7%

10y Growth+3.2%

Last Sold Price£281,000 (2018-05-11)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseModerate

View Full Risk Report

Planning Activity

Recent Apps

0NN1 5ND

Approval Rate

-12mo

Development

low

2026/4243/COND
Discharge of Condition 17 [Windows] of Planning Permission 2026/0556/S73 [Variation of Condition 2 (approved plans) of planning permission WNN/2022/0173 to substitute the approved drawings with as-built drawings to reflect the development as constructed, including the retention of part of the northern elevation, minor alterations to window openings, and associated internal and external amendments of planning permission WNN/2022/0173 (Conversion of existing factory building (Use Class B2) to 19 no self-contained flats for supported living (Use Class C2) and associated works including external alterations, formation of new vehicular access, creation of under croft parking, stopping up existing access, creation of amenity space and partial demolition)]
Pending
2026/4291/HH
External alterations comprising retention of render and stone-effect tile finishes applied over previously approved external insulation, replacement first-floor window, retention of entrance doors and covered entrance canopy and retention of stone-effect tile finish to front garden boundary walls (Part retrospective).
Pending
2026/4283/ADV
Erection of an illuminated advertising display
Pending

View Planning Timeline

Ownership

Corporate Ownership65.4%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2018-05-11
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

6 Mbps

Mobile 4G/5G Coverage

EEThreeO2Vodafone

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,059

Population Density4,515 /km²

Owner Occupied70%

Age Distribution

0-15 18%16-64 67%65+ 15%

View Area Profile

Schools Nearby

Barry Primary School
0.3 mi
GoodConcerns
Northampton School for Boys
0.4 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Stimpson Avenue Academy
0.4 mi
Good
Abington Vale Primary School
0.4 mi
GoodImproving

1 of 10 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

5 Garrick Road
-
£325k
-
30 Garrick Road
-
£250k
-
1 Garrick Road
-
£280k
-
36 Garrick Road
-
£265k
-

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