Terraced

21 HART STREET

CARLISLE, CUMBERLAND, CA1 2BP

£230,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA1 2BP

Nearby

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

Type	Name	Distance
Shop	One Stop	0.1 miles
Bus stop	Lismore Place out	0.1 miles
University	University of Cumbria	0.2 miles
Train station	Carlisle	0.4 miles
Hospital	Cumberland Infirmary	1.3 miles

Property details

Tenure

Freehold

Property type

Terraced

Bedrooms

Bathrooms

Floor area

120 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£230,000 Feb 2026

Price per m²

£1,917/m²

Local average

£124,495 (55 sales)

Street crime

515 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 24/05/2024

Expiry date: 23/05/2034

Current heating cost: £2,347/year

Potential heating cost: £1,361/year

Est. upgrade cost to C: £19,500

EPC D 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 (suspended floor) (£800 - £1,200)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	19/02/2026	£230,000	Terraced	—	£229,589 to April 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£230,000
listed	18/06/2025	£250,000
sold	01/01/2021	£140,000
sold	01/01/2013	£136,000

Photos · Open listing

Sold comparables

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

Address	Price	Date	Type
57 BROAD STREET, CARLISLE, CUMBERLAND, CA1 2AQ	£185,000	16/01/2026	Terraced
74 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ	£203,000	28/03/2025	Terraced
3 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ER	£81,500	27/03/2025	Terraced
15 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ES	£65,000	18/02/2025	Terraced
1 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ER	£76,000	29/11/2023	Terraced
123 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1JZ	£324,050	12/10/2023	Terraced
6 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ	£215,000	26/09/2023	Terraced
4 ORFEUR STREET, CARLISLE, CUMBERLAND, CA1 2AB	£126,500	14/07/2023	Terraced
45 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ	£215,000	16/06/2023	Terraced
23 HART STREET, CARLISLE, CUMBERLAND, CA1 2BP	£175,000	01/06/2023	Terraced
10 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ES	£81,500	17/05/2023	Terraced
128 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1LF	£140,000	27/03/2023	Terraced
39 AGLIONBY STREET, CARLISLE, CUMBERLAND, CA1 1JT	£195,000	10/03/2023	Terraced
29 BROAD STREET, CARLISLE, CUMBERLAND, CA1 2AG	£140,000	24/02/2023	Terraced
18 RIVER STREET, CARLISLE, CUMBERLAND, CA1 2AL	£160,000	21/12/2022	Terraced
24 RIVER STREET, CARLISLE, CUMBRIA, CA1 2AL	£195,000	20/12/2022	Terraced
15 HART STREET, CARLISLE, CUMBRIA, CA1 2BP	£175,000	16/12/2022	Terraced
1 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1PY	£595,000	16/12/2022	Terraced
13 BARROCK STREET, CARLISLE, CUMBRIA, CA1 2EU	£85,000	16/12/2022	Terraced
3 HART STREET, CARLISLE, CUMBRIA, CA1 2BP	£225,000	30/11/2022	Terraced

Area average: £182,878 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

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

5y growth 11.7%

10y growth 52.5%

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

1y (index) 9.2%

5y (index) 27.5%

10y (index) 63.4%

Rental Range

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

Low £859/mo

Realistic £954/mo

Optimistic £1,049/mo

Based on Region from postcode lookup → North West.

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

Rental Comparables

Loading rental comparables for this postcode. Refresh in a few minutes.

Rent-driven metrics

Based on Area rent estimate.

Rent ratio 0.41%

Max investor price (0.8%) £119,250

Target investor price (1%) £95,400

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).

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Street-level crime

Category	Count
Violence and sexual offences	222
Shoplifting	73
Public order	71
Criminal damage and arson	31
Other theft	29
Drugs	27
Anti-social behaviour	17
Other crime	10
Burglary	8
Vehicle crime	8
Bicycle theft	6
Possession of weapons	6
Robbery	4
Theft from the person	3
Total incidents	515

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
Richard Rose Central Academy	Secondary	0.2 miles	Requires improvement — 9 Oct 2022
Norman Street Primary School	Primary	0.3 miles	Good — 6 Jan 2019
Brook Street Primary School	Primary	0.3 miles	Good — 6 Mar 2012
Progress Schools - Carlisle	Other	0.3 miles	Requires improvement — 18 Jun 2023
Trinity School	Secondary	0.4 miles	— (Inspected (no overall grade))

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
09/05/2011	14/02/2011	—	1

# 21 HART STREET, CARLISLE, CUMBERLAND, CA1 2BP

## Property details

- Slug: `1807cf1` (address key hash: `1807cf1d8db5cd43b2bb22e356e4a2934691927b`)
- Postcode: CA1 2BP
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 3
- Bathrooms: 1
- Floor area: 120 m²
- EPC rating: D
- Year built: England and Wales: before 1900
- Last sold: £230,000 Feb 2026
- Price per m²: £1,917/m²
- Local average: £124,495 (55 sales)
- Street crime: 515 incidents within 1 mile (May 2026)

## Latest sale

- Price: £230,000
- Date: 2026-02-19
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 23/05/2034
- **Current heating cost:** £2,347/year
- **Est. upgrade cost to C:** £19,500

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- 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/0390-2964-6350-2324-2831)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-19 | £230,000 | Terraced | — | £229,589 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29c-f2a4-8922-e063-4804a8c094d0) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 21 HART STREET, CARLISLE, CUMBERLAND, CA1 2BP | £230,000 | 19/02/2026 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [163462727](http://87.117.209.195:8080/listings/ea3ffb1)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £230,000 |
| listed | 2025-06-18 | £250,000 |
| sold | 2021-01-01 | £140,000 |
| sold | 2013-01-01 | £136,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 57 BROAD STREET, CARLISLE, CUMBERLAND, CA1 2AQ | £185,000 | 16/01/2026 | Terraced |
| 74 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ | £203,000 | 28/03/2025 | Terraced |
| 3 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ER | £81,500 | 27/03/2025 | Terraced |
| 15 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ES | £65,000 | 18/02/2025 | Terraced |
| 1 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ER | £76,000 | 29/11/2023 | Terraced |
| 123 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1JZ | £324,050 | 12/10/2023 | Terraced |
| 6 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ | £215,000 | 26/09/2023 | Terraced |
| 4 ORFEUR STREET, CARLISLE, CUMBERLAND, CA1 2AB | £126,500 | 14/07/2023 | Terraced |
| 45 PETTERIL STREET, CARLISLE, CUMBERLAND, CA1 2AJ | £215,000 | 16/06/2023 | Terraced |
| 23 HART STREET, CARLISLE, CUMBERLAND, CA1 2BP | £175,000 | 01/06/2023 | Terraced |
| 10 FUSEHILL STREET, CARLISLE, CUMBERLAND, CA1 2ES | £81,500 | 17/05/2023 | Terraced |
| 128 WARWICK ROAD, CARLISLE, CUMBERLAND, CA1 1LF | £140,000 | 27/03/2023 | Terraced |
| 39 AGLIONBY STREET, CARLISLE, CUMBERLAND, CA1 1JT | £195,000 | 10/03/2023 | Terraced |
| 29 BROAD STREET, CARLISLE, CUMBERLAND, CA1 2AG | £140,000 | 24/02/2023 | Terraced |
| 18 RIVER STREET, CARLISLE, CUMBERLAND, CA1 2AL | £160,000 | 21/12/2022 | Terraced |
| 24 RIVER STREET, CARLISLE, CUMBRIA, CA1 2AL | £195,000 | 20/12/2022 | Terraced |
| 15 HART STREET, CARLISLE, CUMBRIA, CA1 2BP | £175,000 | 16/12/2022 | Terraced |
| 1 PORTLAND SQUARE, CARLISLE, CUMBERLAND, CA1 1PY | £595,000 | 16/12/2022 | Terraced |
| 13 BARROCK STREET, CARLISLE, CUMBRIA, CA1 2EU | £85,000 | 16/12/2022 | Terraced |
| 3 HART STREET, CARLISLE, CUMBRIA, CA1 2BP | £225,000 | 30/11/2022 | Terraced |

**Area average:** £182,878 (20 sales)

## Capital growth trend

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

- **5y growth:** 11.7%
- **10y growth:** 52.5%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 9.2%
- **5y growth (index):** 27.5%
- **10y growth (index):** 63.4%

## Rental Range

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

- **Low:** £859/mo
- **Realistic:** £954/mo
- **Optimistic:** £1,049/mo

## LHA (Local Housing Allowance)

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

## 1% Rule

- **Rent ratio:** 0.41% (weak for cashflow)
- **Max investor price (0.8%):** £119,250
- **Target investor price (1%):** £95,400

*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 Area rent estimate.*

## 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)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 222 |
| Shoplifting | 73 |
| Public order | 71 |
| Criminal damage and arson | 31 |
| Other theft | 29 |
| Drugs | 27 |
| Anti-social behaviour | 17 |
| Other crime | 10 |
| Burglary | 8 |
| Vehicle crime | 8 |
| Bicycle theft | 6 |
| Possession of weapons | 6 |
| Robbery | 4 |
| Theft from the person | 3 |
| **Total incidents** | **515** |

*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.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Richard Rose Central Academy | Secondary | 0.2 miles | Requires improvement — 9 Oct 2022 |
| Norman Street Primary School | Primary | 0.3 miles | Good — 6 Jan 2019 |
| Brook Street Primary School | Primary | 0.3 miles | Good — 6 Mar 2012 |
| Progress Schools - Carlisle | Other | 0.3 miles | Requires improvement — 18 Jun 2023 |
| Trinity School | Secondary | 0.4 miles | — (Inspected (no overall grade)) |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #8145313
- **Address:** 21 Hart Street, CARLISLE, CA1 2BP
- **Certificate Issued:** 09/05/2011
- **Work Completed:** 14/02/2011
- **Items:** 1 door(s)