# 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 |
| ST LAWRENCE HOUSE FLAT 4 LATYMER COURT, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 3NE | £143,000 | 13/10/2023 | Flat |
| DELTA HOUSE FLAT 302 ST ANDREWS STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HA | £115,000 | 13/10/2023 | Flat |
| ALPHA HOUSE FLAT 506 BROAD STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2HQ | £111,000 | 17/07/2023 | Flat |
| CROMWELL HOUSE, 20 - 24 FLAT 6 REGENT STREET, NORTHAMPTON, WEST NORTHAMPTONSHIRE, NN1 2LA | £122,500 | 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, 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: £895/mo (6 listings)**

## 1% Rule

- **Rent ratio:** 0.69% (weak for cashflow)
- **Max investor price (0.8%):** £107,875
- **Target investor price (1%):** £86,300

*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 £863/mo).*

- **Gross yield:** 8.3%
- **Cost-to-rent:** 12.1×
- **Monthly cashflow:** £259/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.6%

*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:** 3%
- **10y growth:** -1.4%

## 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)