Detached

1 GRAHAMS CROFT

WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PE

£260,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA4 8PE

Nearby

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

Type	Name	Distance
Bus stop	Warwick House	0.1 miles
Shop	All Sewn Up	0.3 miles
Train station	Wetheral	1.2 miles
University	University of Cumbria	3.4 miles
Hospital	Eden Valley Hospice	4.3 miles

Property details

Tenure

Freehold

Property type

Detached

Floor area

88 m²

EPC rating

Year built

England and Wales: 1976-1982

Last sold

£260,000 Jan 2026

Price per m²

£2,955/m²

Local average

£443,607 (17 sales)

Street crime

5 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 21/02/2020

Expiry date: 20/02/2030

Current heating cost: £630/year

Potential heating cost: £540/year

Est. upgrade cost to C: £10,500

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

Recommendations

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	23/01/2026	£260,000	Detached	—	£263,921 to April 2026	View transaction

Historic listings

No historic listing events could be matched to the sales on record for this address. We only show events where a listing page could be linked to a Land Registry sale here.

Sold comparables

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

Address	Price	Date	Type
8 BUFFS CROFT, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PF	£295,000	05/12/2025	Detached
ASHBURY HOUSE, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PA	£515,000	20/11/2025	Detached
EDEN VIEW, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PA	£645,000	02/11/2023	Detached
WARWICK HOUSE, WARWICK ON EDEN, CARLISLE, CUMBRIA, CA4 8PA	£470,000	29/07/2022	Detached
2 GRAHAMS CROFT, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PE	£205,000	30/11/2021	Detached
ROZEL, WARWICK ON EDEN, CARLISLE, CUMBRIA, CA4 8PA	£340,000	21/07/2021	Detached

Area average: £411,667 (6 sales)

For sale comparables

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

Capital growth trend

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

5y growth -3.4%

10y growth 13.5%

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

1y (index) 5.5%

5y (index) 24.2%

10y (index) 53.6%

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

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, High Buildings, CA4	£625/mo	2	0.91 miles	OpenRent
3 Bed Semi-Detached House, High Buildings, CA4	£795/mo	3	0.91 miles	OpenRent

Average rent: £710/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.27%

Max investor price (0.8%) £88,750

Target investor price (1%) £71,000

Gross yield 3.3%

Cost-to-rent ratio 30.5×

Monthly cashflow £-410/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -6.5%

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).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Street-level crime

Category	Count
Violence and sexual offences	3
Criminal damage and arson	2
Total incidents	5

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
Warwick Bridge Primary School	Primary	0.6 miles	Good — 6 May 2015
Great Corby School and Nursery	Primary	1.4 miles	Good — 8 Apr 2014
Scotby CofE Primary School	Primary	1.8 miles	Good — 18 May 2022
Crosby-on-Eden CofE School	Primary	2.2 miles	Good — 10 Sep 2024
Cumwhinton School	Primary	2.5 miles	Good — 18 Dec 2023

FENSA

No FENSA certificates found for this address.

# 1 GRAHAMS CROFT, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PE

## Property details

- Slug: `9028092` (address key hash: `9028092b918f4e11e4f03e87ac300c2db669ee91`)
- Postcode: CA4 8PE
- Transactions on record: 1

- Tenure: Freehold
- Property type: Detached
- Floor area: 88 m²
- EPC rating: D
- Year built: England and Wales: 1976-1982
- Last sold: £260,000 Jan 2026
- Price per m²: £2,955/m²
- Local average: £443,607 (17 sales)
- Street crime: 5 incidents within 1 mile (May 2026)

## Latest sale

- Price: £260,000
- Date: 2026-01-23
- Type: D
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 20/02/2030
- **Current heating cost:** £630/year
- **Est. upgrade cost to C:** £10,500

### Recommendations
- 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/8390-6922-5380-1659-6222)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-23 | £260,000 | Detached | — | £263,921 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c31-adaa-591c-e063-4704a8c00c31) |

*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 |
|---------|-------|------|------|
| 1 GRAHAMS CROFT, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PE | £260,000 | 23/01/2026 | Detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 8 BUFFS CROFT, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PF | £295,000 | 05/12/2025 | Detached |
| ASHBURY HOUSE, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PA | £515,000 | 20/11/2025 | Detached |
| EDEN VIEW, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PA | £645,000 | 02/11/2023 | Detached |
| WARWICK HOUSE, WARWICK ON EDEN, CARLISLE, CUMBRIA, CA4 8PA | £470,000 | 29/07/2022 | Detached |
| 2 GRAHAMS CROFT, WARWICK ON EDEN, CARLISLE, CUMBERLAND, CA4 8PE | £205,000 | 30/11/2021 | Detached |
| ROZEL, WARWICK ON EDEN, CARLISLE, CUMBRIA, CA4 8PA | £340,000 | 21/07/2021 | Detached |

**Area average:** £411,667 (6 sales)

## Capital growth trend

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

- **5y growth:** -3.4%
- **10y growth:** 13.5%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 5.5%
- **5y growth (index):** 24.2%
- **10y growth (index):** 53.6%

## 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. 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, High Buildings, CA4 | £625/mo | 2 | 0.91 miles | OpenRent |
| 3 Bed Semi-Detached House, High Buildings, CA4 | £795/mo | 3 | 0.91 miles | OpenRent |

**Average rent: £710/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.27% (weak for cashflow)
- **Max investor price (0.8%):** £88,750
- **Target investor price (1%):** £71,000

*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 £710/mo).*

- **Gross yield:** 3.3%
- **Cost-to-rent:** 30.5×
- **Monthly cashflow:** £-410/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -6.5%

*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:** Not in Flood Risk Area (no data)

[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 | 3 |
| Criminal damage and arson | 2 |
| **Total incidents** | **5** |

*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 |
|------|------|----------|--------|
| Warwick Bridge Primary School | Primary | 0.6 miles | Good — 6 May 2015 |
| Great Corby  School and Nursery | Primary | 1.4 miles | Good — 8 Apr 2014 |
| Scotby CofE Primary School | Primary | 1.8 miles | Good — 18 May 2022 |
| Crosby-on-Eden CofE School | Primary | 2.2 miles | Good — 10 Sep 2024 |
| Cumwhinton School | Primary | 2.5 miles | Good — 18 Dec 2023 |