10 Vernon Terrace, Northampton, NN1 5HE

UPRN:15038115Mid Terrace HouseBeds -Built 1900-1929

Tenure: -Council Tax: Band BEPC: C (69)

Data freshness:Listing· freshPrice 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

19 of 21 sources

Sale Estimate

£209,000

£188k - £230kMedium

Estimate

£209k

Range

£188k – £230k

Rent Estimate (pcm)

£1,000

£950 - £1k

Monthly

£1,000

Yield

9.52%

Verdict

Derived from HomePortfolio scores

10 Vernon Terrace earns an INVESTIGATE rating with HP Score 58/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (78/100). 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 leasesHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

58/ 100

Mixed

Investment Score

69/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

78/ 100

High

Transit & Bike

Transit 23Bike 65

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
listing is a flat but the valuation basis is the whole house at this UPRN - value evidence is not comparable

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£126,000

At the asking price

Monthly rent£1,000/mo

Evidenced range £950-£1,050

Interest rate5.4%

Loan to value75%

Cash required: £39,120
Net cash flow: £267/mo
Cash on cash: 8.2%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 2.35 - 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£209,000

Rent Estimate (pcm)£1,000

Gross Yield9.52%

1y Growth+7.0%

3y Growth-0.1%

5y Growth+0.7%

10y Growth+3.2%

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

0NN1 5HE

Approval Rate

-12mo

Development

low

2026/4421/PA
To determine if prior approval is required for a proposed Change of use from Commercial, Business and Service (Use Class E) to Dwellinghouses (Use Class C3) [under schedule 2, Part 3, Class MA of the above order] for the creation of 8x self contained residential dwellings.
Pending
2026/4417/TCA
Works to Sycamore tree within a conservation area
Pending
2026/4064/PA
To determine if Prior Approval required [under Schedule 2, Part 3, Class MA of the above order] for the conversion of the Upper floors from offices to one 3x bed residential flat
Pending

View Planning Timeline