# 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 |
| 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 |
| 15 HART STREET, CARLISLE, CUMBRIA, CA1 2BP | £175,000 | 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:** 10.1%
- **10y growth:** 66.2%

## 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).*

## 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 |
|------|------|------|------|------|
| 3 Bed Flat, Brunswick St, CA1 | £950/mo | 3 | 0.17 miles | OpenRent |
| 3 Bed Terraced House, Melbourne Road, CA1 | £460/mo | 3 | 0.3 miles | OpenRent |

**Average rent: £705/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.31% (weak for cashflow)
- **Max investor price (0.8%):** £88,125
- **Target investor price (1%):** £70,500

*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 £705/mo).*

- **Gross yield:** 3.7%
- **Cost-to-rent:** 27.2×
- **Monthly cashflow:** £-296/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -5.3%

*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).*

## 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)