3 Adelaide Terrace, Northampton, NN2 6AH

UPRN:15047531Mid Terrace House5 bedsBuilt -

FreeholdCouncil Tax: Band EEPC: -

Data freshness:Listing· freshPrice Paid· freshPlanning· 4mo agoRisk· 5mo agoConnectivity· 1mo agoAmenities· 1mo agoArea· Census 2021

3 Adelaide Terrace, Northampton, NN2 6AH

HP Score

/ 100

Mixed

Verdict

3 days ago

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

Evidence

17 of 21 sources

Sale Estimate

£412,000

£392k - £433kHigh

Estimate

£412k

Range

£392k – £433k

Rent Estimate (pcm)

£2,150

£2k - £2k

Monthly

£2,150

Yield

6.29%

Verdict

Derived from HomePortfolio scores

3 Adelaide Terrace earns an INVESTIGATE rating with HP Score 57/100. Investment score 63/100 reflects moderate fundamentals. Crime intensity is elevated. Walkability is excellent (86/100). 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 SourcesPortal 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 Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

57/ 100

Mixed

Investment Score

63/ 100

Moderate

100

Crime Score

100/ 100

Elevated

Walkability

86/ 100

Excellent

Transit & Bike

Transit 20Bike 67

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 +0.5% (HIGH)] → 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 15047531· as of 9 Oct 2026
Rental economics10/40
gross yield 6.3%; range width penalty ×0.97
- valuation_snapshotsrent estimate 2150/mo (range 2050-2300)· as of 9 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -279/mo, -13% 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: 1 price cut(s), 292 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
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 sensitivity

£307,500£471,500

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£410,000

At the asking price

Monthly rent£2,150/mo

Evidenced range £2,050-£2,300

Interest rate5.4%

Loan to value75%

Cash required: £134,800
Net cash flow: £105/mo
Cash on cash: 0.9%
Score at this price: 25

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.55 - 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 15047531Valuation edge · as of 9 Oct 2026
valuation_snapshotsrent estimate 2150/mo (range 2050-2300)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
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth

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 2150/mo (range 2050-2300)
Seller motivation could not be scored
context, not scored: 1 price cut(s), 292 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. Ask the agent why the price was reduced and whether a previous sale fell through.
1 price cut(s) recorded on the listing history.
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£412,000

Rent Estimate (pcm)£2,150

Gross Yield6.29%

1y Growth-

3y Growth-1.2%

5y Growth+1.1%

10y Growth+3.7%

Last Sold Price£210,000 (2014-08-18)

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonModerate
MiningUnknown
LandslideLow
Air QualityLow
NoiseHigh

View Full Risk Report

Planning Activity

Recent Apps

0NN2 6AH

Approval Rate

-12mo

Development

low

2026/4240/COND
Discharge of Condition 3 [Window Construction & Details] of Planning Permission 2025/4772/LBC [Internal refurbishment works to provide additional Toilets / Multi Use Offices / Re-Planning of Staff Facilities. New window to Office Space. External heating and cooling equipment / drainage pipes to elevations and ventilation grills]
Pending
2026/4070/TCA
Removal of 12m Copper Norway Maple Tree
Pending
2026/4036/NMA
Non-Material Amendment is sought to amend the access hatch opening size to application 2026/0798/FULL [Installation of 6no DX Cooling units and associated structural support along with access walkway to the roof of the building].
Pending

View Planning Timeline

Ownership

Corporate Ownership79.5%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsNone
Lease TypeFreehold
Last Ownership Change2014-08-18
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 Density6,712 /km²

Owner Occupied16%

Age Distribution

0-15 15%16-64 77%65+ 8%

View Area Profile

Schools Nearby

Hampton Bridge School
0.1 mi
Report card2026
Ofsted no longer awards a single overall grade.
Bosworth Independent School
0.1 mi
Inspected by ISI
Northampton International Academy
0.1 mi
Area grades2024
Inspected after Ofsted withdrew the single overall grade.
Castle Academy
0.2 mi
Report card2026
Ofsted no longer awards a single overall grade.

0 of 6 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

7 Adelaide Terrace
-
£281k
-
2 Adelaide Terrace
-
£395k
-
1 Adelaide Terrace
-
£415k
-
5 Adelaide Terrace
-
£290k
-

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