Sold STC End of terrace

12 SPENCER ROAD

NORTHAMPTON, WEST NORTHAMPTONSHIRE NN1 3LR

861 sq ft Listed 12 Oct 2021 (-1742d)

£180,000

Guide Price

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# End of terrace house for sale (NN1 3LR)

## Property Details

| Key | Value |
|-----|-------|
| Address | 12 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE NN1 3LR |
| Price | £180,000 |
| Construction age | England and Wales: before 1900 |
| Floor area | 80 m² |
| Last sold | £178,500 Mar 2022 |

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Expiry date:** 28/10/2030
- **Est. upgrade cost to C:** £23,900

### Recommendations
- Q (£4,000 - £14,000)
- W2 (£4,000 - £6,000)
- G (£350 - £450)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0721-2302-4165-1492-4033)

## Description

*** Excellent first time or investment purchase ***

James Anthony's are delighted to offer to the market a fantastic opportunity to purchase this two-bedroom end-terrace home in the popular location of Upper Mounts. This home offers accommodation comprising of a living room and kitchen to the ground floor with stairs leading down to a very useful basement. The first floor offers two bedrooms and a bathroom. The rear garden offers an enclosed space.

## Property Photos

- ![Picture No. 09](/listings/photos/114720557/1233418) - Picture No. 09
- ![Picture No. 06](/listings/photos/114720557/1233422) - Picture No. 06
- ![Picture No. 08](/listings/photos/114720557/1233424) - Picture No. 08
- ![Picture No. 10](/listings/photos/114720557/1233427) - Picture No. 10
- ![Picture No. 03](/listings/photos/114720557/1233428) - Picture No. 03
- ![Picture No. 04](/listings/photos/114720557/1233432) - Picture No. 04
- ![Picture No. 01](/listings/photos/114720557/1233435) - Picture No. 01
- ![Picture No. 05](/listings/photos/114720557/1233440) - Picture No. 05

## Floorplans

- ![Floorplan](/listings/photos/114720557/1233442) - Floorplan

## EPC Graphs

- ![EPC Rating Graph](/listings/photos/114720557/1233447) - EPC Rating Graph

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #4480134
- **Address:** 12 Spencer Road, NORTHAMPTON, NN1 3LR
- **Certificate Issued:** 20/02/2007
- **Work Completed:** 06/02/2007
- **Items:** 6 window(s), 1 door(s)

### FENSA Certificate #4215894
- **Address:** 12 Spencer Road, NORTHAMPTON, NN1 3LR
- **Certificate Issued:** 14/11/2006
- **Work Completed:** 25/10/2006
- **Items:** 1 door(s)

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 12 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR | £178,500 | 18/03/2022 | Terraced |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 86 SOMERSET STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LW | £128,500 | 05/12/2025 | Terraced |
| 58 HENRY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JE | £217,000 | 24/11/2025 | Terraced |
| 41 HERVEY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QL | £265,000 | 28/11/2023 | Terraced |
| [Same street] SPENCER WAREHOUSE, 22 - 28 FLAT 5 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR | £215,000 | 01/11/2023 | Flat |
| 17A COWPER STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QR | £186,000 | 06/10/2023 | Terraced |
| 56 HENRY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JE | £187,000 | 06/10/2023 | Terraced |
| 13 COWPER STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QR | £180,000 | 01/08/2023 | Terraced |
| 51 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ | £245,000 | 30/06/2023 | Terraced |
| 15 CLARE STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3JE | £180,000 | 30/05/2023 | Terraced |
| 6 HERVEY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QJ | £200,000 | 14/04/2023 | Terraced |
| 27 CLARE STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3JE | £186,000 | 13/03/2023 | Terraced |
| 56 SOMERSET STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LW | £212,000 | 10/03/2023 | Terraced |
| 40 HERVEY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QJ | £230,000 | 06/01/2023 | Terraced |
| 89 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ | £275,000 | 21/12/2022 | Terraced |
| 14 SOMERSET STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LW | £162,000 | 07/12/2022 | Terraced |
| 7 GROVE ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LH | £195,000 | 30/11/2022 | Terraced |
| 78 HENRY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JE | £185,000 | 11/11/2022 | Terraced |
| 99 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ | £137,000 | 31/10/2022 | Terraced |
| 65 CLARE STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3JE | £162,000 | 19/10/2022 | Terraced |
| [Same street] SPENCER WAREHOUSE, 22 - 28 FLAT 4 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR | £235,000 | 30/09/2022 | Flat |
| 63 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ | £207,000 | 30/09/2022 | Terraced |
| 72 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JB | £230,000 | 23/09/2022 | Terraced |
| [Same street] SPENCER WAREHOUSE, 22 - 28 FLAT 2 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR | £210,000 | 14/09/2022 | Flat |
| [Same street] 6 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR | £150,000 | 07/02/2022 | Terraced |

**Street average:** £202,500 (4 sales)
**Area average:** £198,475 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £236,811 (66 Terraced, NN1, 2024–2026)
- **Deviation:** -24%

## Rental Range

*ONS Price Index of Private Rents (West Northamptonshire). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £965/mo
- **Realistic:** £1,072/mo
- **Optimistic:** £1,179/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Northampton (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Terraced House, Poole St, NN1 | £1,200/mo | 2 | 0.28 miles | OpenRent |

**Average rent: £1,200/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.67% (weak for cashflow)
- **Max investor price (0.8%):** £150,000
- **Target investor price (1%):** £120,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £1,200/mo).*

- **Gross yield:** 8%
- **Cost-to-rent:** 12.5×
- **Monthly cashflow:** £346/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Price per Square Metre

- **£/m²:** £2,250/m²

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -9.9%
- **10y growth:** 19.2%

## House Price Index (HM Land Registry)

*Official index for West Northamptonshire; Terraced series; as of April 2026.*

- **1y growth (index):** 1.8%
- **5y growth (index):** 17.5%
- **10y growth (index):** 43.9%

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Job (default Low)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

Picture No. 09 Picture No. 06 Picture No. 08 Picture No. 10 Picture No. 03 Picture No. 04 Picture No. 01 Picture No. 05

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Property details

Floor area

80 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£178,500 Mar 2022

Price per m²

£2,250/m²

Local average

£236,811 (-24%)

Deprivation

Decile 3 (9,667 of 33,755)

Street crime

1056 incidents within 1 mile (May 2026)

Key features

Excellent first time or investment purchase
Close to local amenities
Two double bedrooms
Vastly improved cellar
Call our team today for further details

Additional details

Garden: Yes

Description

* Excellent first time or investment purchase *
James Anthony's are delighted to offer to the market a fantastic opportunity to purchase this two-bedroom end-terrace home in the popular location of Upper Mounts. This home offers accommodation comprising of a living room and kitchen to the ground floor with stairs leading down to a very useful basement. The first floor offers two bedrooms and a bathroom. The rear garden offers an enclosed space.

Listed by

Northampton

James Anthony Estate Agents Ltd

Reference: 114720557

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 29/10/2020

Expiry date: 28/10/2030

Est. upgrade cost to C: £23,900

EPC E or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (solid floor) (£4,000 - £6,000)
Upgrade heating controls (£350 - £450)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan

EPC Graphs

EPC Rating Graph

FENSA Certificates

This property has 2 FENSA certificate(s) on record, indicating window/door installations by FENSA-approved installers.

FENSA Certificate #4480134

Property Details

Street: 12 Spencer Road

Town: NORTHAMPTON

Postcode: NN1 3LR

Installation Details

Items: 6 windows and 1 door

Certificate Issued: 20/02/2007

Work Completed: 06/02/2007

This certificate data was retrieved from FENSA's database

FENSA Certificate #4215894

Property Details

Street: 12 Spencer Road

Town: NORTHAMPTON

Postcode: NN1 3LR

Installation Details

Items: 1 door

Certificate Issued: 14/11/2006

Work Completed: 25/10/2006

This certificate data was retrieved from FENSA's database

What is FENSA? FENSA (Fenestration Self-Assessment Scheme) is a government-authorised scheme that monitors building regulation compliance for replacement windows and doors. Certificates indicate that work was completed by FENSA-approved installers.

Price history

Event	Date	Price	% change
Sold	18/03/2022 (4 years ago)	£178,500	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

Same street and nearby sales within 0.25 miles (last 5 years). Data from Land Registry Price Paid.

Address	Price	Date	Type
86 SOMERSET STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LW	£128,500	05/12/2025	Terraced
58 HENRY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JE	£217,000	24/11/2025	Terraced
41 HERVEY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QL	£265,000	28/11/2023	Terraced
Same street SPENCER WAREHOUSE, 22 - 28 FLAT 5 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR	£215,000	01/11/2023	Flat
17A COWPER STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QR	£186,000	06/10/2023	Terraced
56 HENRY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JE	£187,000	06/10/2023	Terraced
13 COWPER STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QR	£180,000	01/08/2023	Terraced
51 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ	£245,000	30/06/2023	Terraced
15 CLARE STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3JE	£180,000	30/05/2023	Terraced
6 HERVEY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QJ	£200,000	14/04/2023	Terraced
27 CLARE STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3JE	£186,000	13/03/2023	Terraced
56 SOMERSET STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LW	£212,000	10/03/2023	Terraced
40 HERVEY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3QJ	£230,000	06/01/2023	Terraced
89 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ	£275,000	21/12/2022	Terraced
14 SOMERSET STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LW	£162,000	07/12/2022	Terraced
7 GROVE ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LH	£195,000	30/11/2022	Terraced
78 HENRY STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JE	£185,000	11/11/2022	Terraced
99 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ	£137,000	31/10/2022	Terraced
65 CLARE STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3JE	£162,000	19/10/2022	Terraced
Same street SPENCER WAREHOUSE, 22 - 28 FLAT 4 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR	£235,000	30/09/2022	Flat
63 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4HZ	£207,000	30/09/2022	Terraced
72 TALBOT ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 4JB	£230,000	23/09/2022	Terraced
Same street SPENCER WAREHOUSE, 22 - 28 FLAT 2 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR	£210,000	14/09/2022	Flat
Same street 6 SPENCER ROAD, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3LR	£150,000	07/02/2022	Terraced

Street average: £202,500 (4 sales)

Area average: £198,475 (20 sales)

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth -9.9%

10y growth 19.2%

House Price Index (HM Land Registry — official index, not sold-price averages): West Northamptonshire. Series: Terraced. As of April 2026.

1y (index) 1.8%

5y (index) 17.5%

10y (index) 43.9%

Rental Range

Estimated market rent for West Northamptonshire. Low = conservative, Realistic = average, Optimistic = best case.

Low £965/mo

Realistic £1,072/mo

Optimistic £1,179/mo

Based on Local Authority from postcode lookup → West Northamptonshire.

LHA (30th percentile) floor for Northampton: Apr 2025 – Mar 2026

Location

Map view View on Google Maps View on OpenStreetMap Street View NN1 3LR

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Shop	Alim Food Centre	0.1 miles
Shop	Rajon	0.1 miles
Bus stop	Unknown	0.1 miles
University	University of Northampton St Georges Avenue	0.6 miles
University	University of Northampton - School of Podiatry	0.6 miles
Hospital	St Matthews Hospital	0.6 miles
Train station	Northampton	1.0 miles
Hospital	Manfield Health Campus	1.7 miles
Train station	Boughton	3.0 miles

Street-level crime

Category	Count
Violence and sexual offences	328
Anti-social behaviour	279
Other theft	71
Public order	62
Shoplifting	59
Drugs	53
Vehicle crime	48
Criminal damage and arson	47
Burglary	39
Robbery	22
Other crime	15
Possession of weapons	13
Bicycle theft	10
Theft from the person	10
Total incidents	1056

Within 1 mile during May 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
The CE Academy	Other	0.3 miles	Inadequate — 6 Sep 2021
Stimpson Avenue Academy	Primary	0.4 miles	Good — 19 Sep 2023
Vernon Terrace Primary School	Primary	0.4 miles	Good — 26 Jan 2023
Progress Schools - Northamptonshire	Other	0.4 miles	Requires improvement — 1 May 2024
Barry Primary School	Primary	0.5 miles	Good — 22 Jun 2023

Rental Comparables

Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Terraced House, Poole St, NN1	£1,200/mo	2	0.28 miles	OpenRent

Average rent: £1,200/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.67%

Max investor price (0.8%) £150,000

Target investor price (1%) £120,000

Gross yield 8%

Cost-to-rent ratio 12.5×

Monthly cashflow £346/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).