Terraced

5 CAGTHORPE

HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6DZ

£172,500

Location

Map view View on Google Maps View on OpenStreetMap Street View LN9 6DZ

Nearby

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

Type	Name	Distance
Shop	The Big Chair Company	0.1 miles
Bus stop	The Wong	0.1 miles
Hospital	Horncastle War Memorial Hospital	0.3 miles

Property details

Tenure

Freehold

Property type

Terraced

Floor area

134 m²

EPC rating

Last sold

£172,500 Jan 2026

Price per m²

£1,287/m²

Local average

£144,167 (6 sales)

Street crime

44 incidents within 1 mile (Apr 2026)

EPC Rating & Upgrade Cost

Current rating: E

Potential rating: C

Inspection date: 03/06/2024

Current heating cost: £3,060/year

Potential heating cost: £2,081/year

Est. upgrade cost to C: £21,630

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

Recommendations

Room-in-roof insulation (£1,500 - £2,700)
50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (suspended floor) (£800 - £1,200)
Low energy lighting for all fixed outlets (£30)
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	£172,500	Terraced	—	£170,073 to March 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
44 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EF	£125,000	02/11/2023	Terraced
44 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EF	£85,000	15/02/2023	Terraced
38 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EF	£225,000	29/06/2022	Terraced
16 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6DX	£185,000	15/09/2021	Terraced
6 INGRAM ROW, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EE	£78,000	11/08/2021	Terraced
8 - 10 ST MARYS SQUARE, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 5HJ	£270,000	25/06/2021	Terraced

Area average: £161,333 (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 -22.4%

10y growth 10.5%

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

1y (index) 0.3%

5y (index) 19.1%

10y (index) 50.7%

Rental Range

Estimated market rent for East Lindsey. Low = conservative, Realistic = average, Optimistic = best case.

Low £618/mo

Realistic £687/mo

Optimistic £756/mo

Based on Local Authority from postcode lookup → East Lindsey.

LHA (30th percentile) floor for Wolds and Coast: 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
4 Bed Detached House, Osborne Way, LN9	£1,300/mo	4	0.46 miles	OpenRent
4 Bed Detached House, Malt Kiln Crescent, LN9	£2,150/mo	4	0.66 miles	OpenRent

Average rent: £1,725/mo (2 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1%

Max investor price (0.8%) £215,625

Target investor price (1%) £172,500

Gross yield 12%

Cost-to-rent ratio 8.3×

Monthly cashflow £848/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 20.3%

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	20
Anti-social behaviour	9
Other theft	4
Shoplifting	4
Burglary	2
Criminal damage and arson	2
Vehicle crime	2
Possession of weapons	1
Total incidents	44

Within 1 mile during Apr 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
Queen Elizabeth's Grammar School, Horncastle	Secondary	0.3 miles	Good — 1 Jul 2024
The Banovallum School	Secondary	0.4 miles	Good — 10 Jan 2018
Horncastle Primary School	Primary	0.4 miles	Good — 19 Jun 2024
St Lawrence School	Other	0.5 miles	Good — 14 Nov 2014
The Kirkby-on-Bain Church of England Primary School	Primary	4.4 miles	Good — 14 Nov 2023

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
08/08/2003	17/06/2003	6	—

# 5 CAGTHORPE, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6DZ

## Property details

- Slug: `aef5f20` (address key hash: `aef5f207424f4d1f675727550bef20182bd025b8`)
- Postcode: LN9 6DZ
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Floor area: 134 m²
- EPC rating: E
- Last sold: £172,500 Jan 2026
- Price per m²: £1,287/m²
- Local average: £144,167 (6 sales)
- Street crime: 44 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £172,500
- Date: 2026-01-23
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Current heating cost:** £3,060/year
- **Est. upgrade cost to C:** £21,630

### Recommendations
- A3 (£1,500 - £2,700)
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- E (£30)
- 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/0277-3038-0206-0824-6204)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-23 | £172,500 | Terraced | — | £170,073 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c32-1a32-591c-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 |
|---------|-------|------|------|
| 5 CAGTHORPE, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6DZ | £172,500 | 23/01/2026 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 44 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EF | £125,000 | 02/11/2023 | Terraced |
| 44 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EF | £85,000 | 15/02/2023 | Terraced |
| 38 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EF | £225,000 | 29/06/2022 | Terraced |
| 16 SOUTH STREET, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6DX | £185,000 | 15/09/2021 | Terraced |
| 6 INGRAM ROW, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 6EE | £78,000 | 11/08/2021 | Terraced |
| 8 - 10 ST MARYS SQUARE, HORNCASTLE, EAST LINDSEY, LINCOLNSHIRE, LN9 5HJ | £270,000 | 25/06/2021 | Terraced |

**Area average:** £161,333 (6 sales)

## Capital growth trend

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

- **5y growth:** -22.4%
- **10y growth:** 10.5%

## House Price Index (HM Land Registry)

*Official index for East Lindsey; Terraced series; as of March 2026.*

- **1y growth (index):** 0.3%
- **5y growth (index):** 19.1%
- **10y growth (index):** 50.7%

## Rental Range

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

- **Low:** £618/mo
- **Realistic:** £687/mo
- **Optimistic:** £756/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Wolds and Coast (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 |
|------|------|------|------|------|
| 4 Bed Detached House, Osborne Way, LN9 | £1,300/mo | 4 | 0.46 miles | OpenRent |
| 4 Bed Detached House, Malt Kiln Crescent, LN9 | £2,150/mo | 4 | 0.66 miles | OpenRent |

**Average rent: £1,725/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 1% (strong)
- **Max investor price (0.8%):** £215,625
- **Target investor price (1%):** £172,500

*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 £1,725/mo).*

- **Gross yield:** 12%
- **Cost-to-rent:** 8.3×
- **Monthly cashflow:** £848/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 20.3%

*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 | 20 |
| Anti-social behaviour | 9 |
| Other theft | 4 |
| Shoplifting | 4 |
| Burglary | 2 |
| Criminal damage and arson | 2 |
| Vehicle crime | 2 |
| Possession of weapons | 1 |
| **Total incidents** | **44** |

*Within 1 mile during Apr 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 |
|------|------|----------|--------|
| Queen Elizabeth's Grammar School, Horncastle | Secondary | 0.3 miles | Good — 1 Jul 2024 |
| The Banovallum School | Secondary | 0.4 miles | Good — 10 Jan 2018 |
| Horncastle Primary School | Primary | 0.4 miles | Good — 19 Jun 2024 |
| St Lawrence School | Other | 0.5 miles | Good — 14 Nov 2014 |
| The Kirkby-on-Bain Church of England Primary School | Primary | 4.4 miles | Good — 14 Nov 2023 |

## FENSA Certificates

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

### FENSA Certificate #829061
- **Address:** 5 Cagthorpe, Horncastle, LN9 6DZ
- **Certificate Issued:** 08/08/2003
- **Work Completed:** 17/06/2003
- **Items:** 6 window(s)