# 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
- Bedrooms (EPC estimate): 3
- 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: £404,048 (14 sales)
- Street crime: 6 incidents within 1 mile (Mar 2026)

## Latest sale

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

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **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 | — | £263,928 (to February 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:** -0.9%
- **10y growth:** 45%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 2.8%
- **5y growth (index):** 24.6%
- **10y growth (index):** 56.3%

## Rental Range

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

- **Low:** £856/mo
- **Realistic:** £951/mo
- **Optimistic:** £1,046/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, preferring 3-bedroom lets (EPC estimate for this property). Listings without a bedroom count may still appear — check the Beds column. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, High Buildings, CA4 | £795/mo | 3 | 0.91 miles | OpenRent |

**Average rent: £795/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.31% (weak for cashflow)
- **Max investor price (0.8%):** £99,375
- **Target investor price (1%):** £79,500

*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 £795/mo).*

- **Gross yield:** 3.7%
- **Cost-to-rent:** 27.3×
- **Monthly cashflow:** £-333/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:** 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 | 4 |
| Other theft | 2 |
| **Total incidents** | **6** |

*Within 1 mile during Mar 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 |