60 Balmoral Road, Northampton, NN2 6JZ

UPRN:15044802Mid Terrace House3 bedsBuilt 1900-1929

FreeholdCouncil Tax: Band BEPC: C (72)

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

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

18 of 21 sources

Sale Estimate

£234,000

£222k - £246kHigh

Estimate

£234k

Range

£222k – £246k

Rent Estimate (pcm)

£1,250

£1k - £1k

Monthly

£1,250

Yield

6.67%

Verdict

Derived from HomePortfolio scores

60 Balmoral Road earns an INVESTIGATE rating with HP Score 70/100. Investment score 69/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is good (79/100). 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 NationsMarket 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

70/ 100

Mixed

Investment Score

69/ 100

Moderate

Crime Score

64/ 100

Elevated

Walkability

79/ 100

High

Transit & Bike

Transit 15Bike 59

Walk Score, out of 100

Opportunity

Why this could be an opportunity

High confidence3 independent sourcesListing checked 28 Oct 2026

Every component scored, and three or more independent sources agree.

Valuation edge2.5/15
claims [AVM +3.8% (HIGH), sold-comps +20.2%, £/sqft +20.3%] → 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 15044802· as of 13 Oct 2026
- property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 13%· as of 17 Oct 2026
Rental economics29.3/40
gross yield 8.7% on contractual rent (listing-disclosed tenancy); contractual 2000/mo far above the 1250/mo estimate - credited at the 1.3x cap, verify
- listing_factscontractual rent 2000/mo (tenanted)· as of 28 Oct 2026· verify before relying on this
Stress margin7.1/30
stressed cash flow +115/mo, +7% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); passes the stress
- underwriting_assumptionscosts not disclosed by the advert· as of 28 Oct 2026
Seller motivationNot scored
context, not scored: 0 price cut(s), 47 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 28 Oct 2026
Risk & liquidity14.6/15
403 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 sensitivityScores 70+ up to £197,000

£169,000£258,500

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£225,000

At the asking price

Monthly rent£1,250/mo

Evidenced range £1,150-£1,300

Interest rate5.4%

Loan to value75%

Cash required: £70,800
Net cash flow: £106/mo
Cash on cash: 1.8%
Score at this price: 54

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.65 - 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 15044802Valuation edge · as of 13 Oct 2026
property_comparablessold-evidence family (implied value + £/sqft): 11 comps, dispersion 13%Valuation edge · as of 17 Oct 2026
listing_factscontractual rent 2000/mo (tenanted)Rental economics · as of 28 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 28 Oct 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 28 Oct 2026

Risks

What could kill this deal

Rental economics needs verification before you rely on it
contractual rent 2000/mo (tenanted)
Seller motivation could not be scored
context, not scored: 0 price cut(s), 47 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 →flood, subsidence, crime, environment - the full domain

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. Set your walk-away price before viewing - above £197,000 the deal stops scoring well.
Computed by re-running the score at higher prices.
3. 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.
4. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Valuation & Market

Sale Estimate£234,000

Rent Estimate (pcm)£1,250

Gross Yield6.67%

1y Growth+27.4%

3y Growth-1.2%

5y Growth+1.1%

10y Growth+3.7%

Last Sold Price£190,000 (2024-03-04)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

4NN2 6JZ

Approval Rate

100%12mo

Development

low

2026/4398/TCA
Cut back neighbours fir tree which completely overhangs our garden and removes light from the garden. Cut back neighbours laurel trees that overhang our garden removing light from the garden. Reduce the height of neighbours laurel trees that remove light from our kitchen. (Looking for neighbours permission to do this as they exist on their side, don't overhang but are in excess of 4 meters in height) Trim/prune apple trees and damson trees.No trees are subject to a TPO.
Pending
2026/4070/TCA
Removal of 12m Copper Norway Maple Tree
Pending
2026/4130/FULL
Proposed Single Storey Rear Extension and Internal Alterations in Connection with Change of Use from a 6-Room, 6-Person HMO (Use Class C4) to a 9-Room, 11-Person HMO (Sui Generis)
Pending

View Planning Timeline

Ownership

Corporate Ownership79.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change2024-03-04
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

15 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£33,059

Population Density9,194 /km²

Owner Occupied54%

Age Distribution

0-15 19%16-64 72%65+ 9%

View Area Profile

Schools Nearby

Northgate School Academy Trust
0.2 mi
Area grades2025
Inspected after Ofsted withdrew the single overall grade.
Cambian Northampton School
0.2 mi
Good
Kingsthorpe Grove Primary School
0.2 mi
Good
Malcolm Arnold Academy
0.3 mi
Good

1 of 8 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

76 Balmoral Road
-
£248k
-
124 Balmoral Road
-
£255k
-
138 Balmoral Road
-
£235k
-
62 Balmoral Road
-
£225k
-

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