# 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)