For sale Flat

FLAT 5

REGENCY HOUSE, 4, CHURCH LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE NN1 3NL

1 beds 1 baths 377 sq ft Listed 12 Jan 2026 (-190d)

£125,000

Reduced on 7 Jul 2026 · Was £130,000

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# 1 bedroom flat for sale (NN1 3NL)

## Property Details

| Key | Value |
|-----|-------|
| Address | FLAT 5, REGENCY HOUSE, 4, CHURCH LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE NN1 3NL |
| Price | £125,000 |
| Bedrooms | 1 |
| Bathrooms | 1 |
| Floor area | 35 m² |
| Last sold | £135,000 Jul 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** D
- **Expiry date:** 14/12/2032
- **Current heating cost:** £586/year

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9757-0957-9392-0672-9200)

## Description

This newly converted one-bedroom second-floor apartment is finished to an exceptionally high standard throughout, offering stylish and contemporary living in the heart of NN1.

The property features a sleek, modern fitted kitchen complete with integrated appliances, including an electric hob, electric oven, washing machine, dishwasher, and wine cooler, thoughtfully designed to maximise both functionality and style.

The apartment further benefits from a luxury fitted shower room, incorporating a vanity wash hand basin, vanity mirror, and high-quality finishes. Comfort and efficiency are assured with Haverland energy-efficient designer electric radiators, while high-speed full fibre broadband provides superfast connectivity, ideal for modern professional lifestyles.

Ideally situated within close proximity to Northampton Town Centre and the Train Station, this apartment is perfectly suited to individual professionals seeking a premium living space or investors looking for a strong, reliable rental opportunity.

## Property Photos

- ![Photo](/listings/photos/87539670/1068593)
- ![Photo](/listings/photos/87539670/1068594)
- ![Photo](/listings/photos/87539670/1068595)
- ![Photo](/listings/photos/87539670/1068596)
- ![Photo](/listings/photos/87539670/1068597)
- ![Photo](/listings/photos/87539670/1068598)
- ![Photo](/listings/photos/87539670/1068599)

## EPC Graphs

- ![EPC 1](/listings/photos/87539670/1068600) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| REGENCY HOUSE, 4 FLAT 5 CHURCH LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NL | £135,000 | 21/07/2023 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| ALPHA HOUSE FLAT 516 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ | £100,000 | 18/02/2026 | Flat |
| ALPHA HOUSE FLAT 515 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ | £110,000 | 11/12/2025 | Flat |
| ALPHA HOUSE FLAT 115 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS | £105,000 | 07/01/2025 | Flat |
| ALPHA HOUSE FLAT 115 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS | £105,000 | 07/01/2025 | Flat |
| ST LAWRENCE HOUSE FLAT 3 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE | £135,000 | 25/07/2024 | Flat |
| SIGMA HOUSE G05 NARROW LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2JY | £125,000 | 11/12/2023 | Flat |
| ALPHA HOUSE FLAT 404 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ | £125,000 | 11/12/2023 | Flat |
| ALPHA HOUSE FLAT 211 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS | £125,000 | 30/11/2023 | Flat |
| SIGMA HOUSE FLAT 101 NARROW LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2JY | £121,000 | 24/11/2023 | Flat |
| ALPHA HOUSE FLAT 114 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS | £124,000 | 22/11/2023 | Flat |
| ST MARTINS HOUSE FLAT 10 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE | £130,000 | 13/11/2023 | Flat |
| ALPHA HOUSE FLAT 216 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS | £150,000 | 13/11/2023 | Flat |
| CROMWELL HOUSE, 20 - 24 FLAT 10 REGENT STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2LA | £131,500 | 03/11/2023 | Flat |
| ST LAWRENCE HOUSE FLAT 11 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE | £130,000 | 20/10/2023 | Flat |
| DELTA HOUSE FLAT 302 ST ANDREWS STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HA | £115,000 | 13/10/2023 | Flat |
| ST LAWRENCE HOUSE FLAT 4 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE | £143,000 | 13/10/2023 | Flat |
| CROMWELL HOUSE, 20 - 24 FLAT 6 REGENT STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2LA | £122,500 | 17/07/2023 | Flat |
| ALPHA HOUSE FLAT 506 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ | £111,000 | 17/07/2023 | Flat |
| [Same street] REGENCY HOUSE, 4 FLAT 3 CHURCH LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NL | £138,000 | 07/07/2023 | Flat |
| CROMWELL HOUSE, 20 - 24 FLAT 5 REGENT STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2LA | £148,500 | 23/06/2023 | Flat |
| ALPHA HOUSE FLAT 123 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS | £148,500 | 08/06/2023 | Flat |
| [Same street] REGENCY HOUSE, 4 FLAT 4 CHURCH LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NL | £160,000 | 07/10/2022 | Flat |

**Street average:** £149,000 (2 sales)
**Area average:** £125,250 (20 sales)

## Price vs local average

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

- **Local average:** £128,871 (29 Flat, NN1, 2024–2026)
- **Deviation:** -3%

## 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).*

- **LHA floor (this property size):** £643/mo

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 1 Bed Flat, Alpha House, NN1 | £995/mo | 1 | 0.08 miles | OpenRent |
| 1 Bed Flat, Delta House, NN1 | £2,300/mo | 1 | 0.11 miles | OpenRent |
| 1 Bed Flat, Delta House, NN1 | £2,300/mo | 1 | 0.11 miles | OpenRent |
| 1 Bed Flat, St Georges Street, NN1 | £875/mo | 1 | 0.16 miles | OpenRent |
| 1 Bed Flat, Northampton House, NN1 | £850/mo | 1 | 0.2 miles | OpenRent |
| 1 Bed Flat, Northampton House, NN1 | £850/mo | 1 | 0.2 miles | OpenRent |
| 1 Bed Flat, Dunster Street, NN1 | £995/mo | 1 | 0.31 miles | OpenRent |
| 1 Bed Flat, Marefair, NN1 | £850/mo | 1 | 0.35 miles | OpenRent |
| 1 Bed Maisonette, St. Giles Street, NN1 | £950/mo | 1 | 0.37 miles | OpenRent |

**Average rent: £1,218/mo (9 listings)**

## 1% Rule

- **Rent ratio:** 0.76% (weak for cashflow)
- **Max investor price (0.8%):** £118,750
- **Target investor price (1%):** £95,000

*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 £950/mo).*

- **Gross yield:** 9.1%
- **Cost-to-rent:** 11×
- **Monthly cashflow:** £338/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11.2%

*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:** £3,571/m²

## Capital growth trend

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

- **5y growth:** -1.9%
- **10y growth:** -4.9%

## House Price Index (HM Land Registry)

*Official index for West Northamptonshire; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -3.1%
- **5y growth (index):** 3.7%
- **10y growth (index):** 22.9%

## 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)

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Property details

Tenure

LEASEHOLD

Floor area

35 m²

EPC rating

Last sold

£135,000 Jul 2023

Price per m²

£3,571/m²

Local average

£128,871 (-3%)

Deprivation

Decile 1 (2,088 of 33,755)

Street crime

1139 incidents within 1 mile (May 2026)

Key features

One Bedroom Flat
Close To Town Centre
Council Tax Band - A
Integrated Kitchen
Chain Free
NN1

Description

This newly converted one-bedroom second-floor apartment is finished to an exceptionally high standard throughout, offering stylish and contemporary living in the heart of NN1.

The property features a sleek, modern fitted kitchen complete with integrated appliances, including an electric hob, electric oven, washing machine, dishwasher, and wine cooler, thoughtfully designed to maximise both functionality and style.

The apartment further benefits from a luxury fitted shower room, incorporating a vanity wash hand basin, vanity mirror, and high-quality finishes. Comfort and efficiency are assured with Haverland energy-efficient designer electric radiators, while high-speed full fibre broadband provides superfast connectivity, ideal for modern professional lifestyles.

Ideally situated within close proximity to Northampton Town Centre and the Train Station, this apartment is perfectly suited to individual professionals seeking a premium living space or investors looking for a strong, reliable rental opportunity.

Listed by

Northampton

Spicerhaart

Reference: 87539670

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: D

Inspection date: 15/12/2022

Expiry date: 14/12/2032

Current heating cost: £586/year

Potential heating cost: £586/year

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

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC 1

Price history

Event	Date	Price	% change
Listed for sale	—	£125,000	-7.4%
Sold	21/07/2023 (3 years ago)	£135,000	—

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
ALPHA HOUSE FLAT 516 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ	£100,000	18/02/2026	Flat
ALPHA HOUSE FLAT 515 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ	£110,000	11/12/2025	Flat
ALPHA HOUSE FLAT 115 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS	£105,000	07/01/2025	Flat
ALPHA HOUSE FLAT 115 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS	£105,000	07/01/2025	Flat
ST LAWRENCE HOUSE FLAT 3 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE	£135,000	25/07/2024	Flat
SIGMA HOUSE G05 NARROW LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2JY	£125,000	11/12/2023	Flat
ALPHA HOUSE FLAT 404 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ	£125,000	11/12/2023	Flat
ALPHA HOUSE FLAT 211 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS	£125,000	30/11/2023	Flat
SIGMA HOUSE FLAT 101 NARROW LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2JY	£121,000	24/11/2023	Flat
ALPHA HOUSE FLAT 114 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS	£124,000	22/11/2023	Flat
ST MARTINS HOUSE FLAT 10 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE	£130,000	13/11/2023	Flat
ALPHA HOUSE FLAT 216 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS	£150,000	13/11/2023	Flat
CROMWELL HOUSE, 20 - 24 FLAT 10 REGENT STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2LA	£131,500	03/11/2023	Flat
ST LAWRENCE HOUSE FLAT 11 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE	£130,000	20/10/2023	Flat
DELTA HOUSE FLAT 302 ST ANDREWS STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HA	£115,000	13/10/2023	Flat
ST LAWRENCE HOUSE FLAT 4 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE	£143,000	13/10/2023	Flat
CROMWELL HOUSE, 20 - 24 FLAT 6 REGENT STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2LA	£122,500	17/07/2023	Flat
ALPHA HOUSE FLAT 506 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ	£111,000	17/07/2023	Flat
Same street REGENCY HOUSE, 4 FLAT 3 CHURCH LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NL	£138,000	07/07/2023	Flat
CROMWELL HOUSE, 20 - 24 FLAT 5 REGENT STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2LA	£148,500	23/06/2023	Flat
ALPHA HOUSE FLAT 123 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HS	£148,500	08/06/2023	Flat
Same street REGENCY HOUSE, 4 FLAT 4 CHURCH LANE, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NL	£160,000	07/10/2022	Flat

Street average: £149,000 (2 sales)

Area average: £125,250 (20 sales)

Capital growth trend

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

5y growth -1.9%

10y growth -4.9%

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

1y (index) -3.1%

5y (index) 3.7%

10y (index) 22.9%

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: £643/mo (Apr 2025 – Mar 2026)

Location

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

Address

Church Lane

Nearby

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

Type	Name	Distance
Shop	Manascrew	0.0 miles
Shop	Mind	0.1 miles
Bus stop	Unknown	0.1 miles
Bus stop	Coach Park	0.1 miles
University	University of Northampton	0.5 miles
University	University of Northampton Innovation Centre	0.5 miles
Train station	Northampton	0.5 miles
Hospital	St Matthews Hospital	1.1 miles
Hospital	Manfield Health Campus	2.2 miles
Train station	Boughton	3.0 miles

Street-level crime

Category	Count
Violence and sexual offences	339
Anti-social behaviour	313
Other theft	79
Public order	65
Shoplifting	62
Drugs	52
Vehicle crime	51
Criminal damage and arson	47
Burglary	44
Robbery	28
Possession of weapons	18
Bicycle theft	17
Other crime	15
Theft from the person	9
Total incidents	1139

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
New Horizons Academy	Other	0.1 miles	Inadequate — 24 Mar 2024
Castle Academy	Primary	0.2 miles	Good — 10 Jan 2017
Spring Lane Primary School	Primary	0.2 miles	Good — 12 Jan 2023
Progress Schools - Northamptonshire	Other	0.3 miles	Requires improvement — 1 May 2024
Northampton International Academy	Other	0.3 miles	— (Inspected (no overall grade))

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
1 Bed Flat, Alpha House, NN1	£995/mo	1	0.08 miles	OpenRent
1 Bed Flat, Delta House, NN1	£2,300/mo	1	0.11 miles	OpenRent
1 Bed Flat, Delta House, NN1	£2,300/mo	1	0.11 miles	OpenRent
1 Bed Flat, St Georges Street, NN1	£875/mo	1	0.16 miles	OpenRent
1 Bed Flat, Northampton House, NN1	£850/mo	1	0.2 miles	OpenRent
1 Bed Flat, Northampton House, NN1	£850/mo	1	0.2 miles	OpenRent
1 Bed Flat, Dunster Street, NN1	£995/mo	1	0.31 miles	OpenRent
1 Bed Flat, Marefair, NN1	£850/mo	1	0.35 miles	OpenRent
1 Bed Maisonette, St. Giles Street, NN1	£950/mo	1	0.37 miles	OpenRent

Average rent: £1,218/mo (9 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.76%

Max investor price (0.8%) £118,750

Target investor price (1%) £95,000

Gross yield 9.1%

Cost-to-rent ratio 11×

Monthly cashflow £338/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 11.2%

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).

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