Terraced

20 HERON DRIVE

CARLISLE, CUMBERLAND, CA1 2WA

£108,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CA1 2WA

Nearby

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

Type	Name	Distance
Bus stop	Botch Ave in	0.2 miles
Shop	Lidl	0.3 miles
University	University of Cumbria	0.6 miles
Train station	Carlisle	1.1 miles
Hospital	Eden Valley Hospice	1.8 miles

Property details

Tenure

Leasehold

Property type

Terraced

Floor area

56 m²

EPC rating

Year built

England and Wales: 1996-2002

Last sold

£108,000 Feb 2026

Price per m²

£1,929/m²

Local average

£124,495 (55 sales)

Street crime

261 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 08/11/2025

Expiry date: 07/11/2035

Current heating cost: £654/year

Potential heating cost: £586/year

Est. upgrade cost to C: £12,930

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

Recommendations

Increase loft insulation to 270 mm (£900 - £1,200)
Add additional 80 mm jacket to hot water cylinder (£20 - £40)
Replace boiler with new condensing boiler (£2,200 - £3,500)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	12/02/2026	£108,000	Terraced	—	£107,807 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
3 WILLOW PARK, CARLISLE, CUMBERLAND, CA1 2UB	£115,000	19/12/2025	Terraced
1 CURLEW WALK, CARLISLE, CUMBERLAND, CA1 2WD	£123,000	24/07/2024	Terraced
12 BOTCHERBY AVENUE, CARLISLE, CUMBERLAND, CA1 2TX	£85,500	27/10/2023	Terraced
2 ST JOSEPH'S GARDENS, CARLISLE, CUMBERLAND, CA1 2UQ	£220,000	14/08/2023	Terraced
23 BOTCHERBY AVENUE, CARLISLE, CUMBERLAND, CA1 2TU	£55,000	22/05/2023	Terraced
25 HERON DRIVE, CARLISLE, CUMBERLAND, CA1 2WA	£94,000	10/05/2023	Terraced
9 FINCH CLOSE, CARLISLE, CUMBERLAND, CA1 2WB	£110,000	14/04/2023	Terraced
21 VICTORIA ROAD, CARLISLE, CUMBRIA, CA1 2UE	£220,000	31/10/2022	Terraced
20 HERON DRIVE, CARLISLE, CUMBRIA, CA1 2WA	£98,000	01/06/2022	Terraced
13 CURLEW WALK, CARLISLE, CUMBRIA, CA1 2WD	£143,000	25/05/2022	Terraced
57 BOTCHERBY AVENUE, CARLISLE, CUMBRIA, CA1 2TU	£46,000	01/04/2022	Terraced
7 CHARLOTTE TERRACE, CARLISLE, CUMBRIA, CA1 2RX	£64,950	24/02/2022	Terraced
30 WOOD STREET, CARLISLE, CUMBRIA, CA1 2SF	£395,000	17/01/2022	Terraced
18 HERON DRIVE, CARLISLE, CUMBRIA, CA1 2WA	£112,000	14/01/2022	Terraced
166 BORLAND AVENUE, CARLISLE, CUMBRIA, CA1 2TJ	£72,500	16/12/2021	Terraced
40 BOTCHERBY AVENUE, CARLISLE, CUMBRIA, CA1 2TX	£62,500	18/10/2021	Terraced
57 BOTCHERBY AVENUE, CARLISLE, CUMBRIA, CA1 2TU	£55,500	15/10/2021	Terraced
12 HERON DRIVE, CARLISLE, CUMBRIA, CA1 2WA	£92,400	05/08/2021	Terraced
20 VICTORIA ROAD, CARLISLE, CUMBRIA, CA1 2UE	£76,115	29/07/2021	Terraced

Area average: £117,919 (19 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 11.7%

10y growth 52.5%

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

1y (index) 9.2%

5y (index) 27.5%

10y (index) 63.4%

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, Carlisle, CA1	£750/mo	2	0.57 miles	OpenRent

Average rent: £750/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.69%

Max investor price (0.8%) £93,750

Target investor price (1%) £75,000

Gross yield 8.3%

Cost-to-rent ratio 12×

Monthly cashflow £225/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 8.6%

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	124
Public order	31
Criminal damage and arson	21
Other theft	20
Shoplifting	19
Drugs	10
Anti-social behaviour	8
Burglary	8
Other crime	5
Bicycle theft	4
Possession of weapons	4
Vehicle crime	4
Theft from the person	3
Total incidents	261

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
St Cuthberts Catholic Primary School, Carlisle	Primary	0.1 miles	Good — 13 Dec 2017
Norman Street Primary School	Primary	0.5 miles	Good — 6 Jan 2019
Brook Street Primary School	Primary	0.6 miles	Good — 6 Mar 2012
Richard Rose Central Academy	Secondary	0.7 miles	Requires improvement — 9 Oct 2022
St John Henry Newman Catholic School	Secondary	0.7 miles	Good — 14 Jul 2022

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
23/01/2007	18/12/2006	5	1

# 20 HERON DRIVE, CARLISLE, CUMBERLAND, CA1 2WA

## Property details

- Slug: `caf0d61` (address key hash: `caf0d615faf17356ed7f2207dc9a710bba915226`)
- Postcode: CA1 2WA
- Transactions on record: 1

- Tenure: Leasehold
- Property type: Terraced
- Floor area: 56 m²
- EPC rating: D
- Year built: England and Wales: 1996-2002
- Last sold: £108,000 Feb 2026
- Price per m²: £1,929/m²
- Local average: £124,495 (55 sales)
- Street crime: 261 incidents within 1 mile (May 2026)

## Latest sale

- Price: £108,000
- Date: 2026-02-12
- Type: T
- Tenure: L

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 07/11/2035
- **Current heating cost:** £654/year
- **Est. upgrade cost to C:** £12,930

### Recommendations
- A (£900 - £1,200)
- C (£20 - £40)
- I (£2,200 - £3,500)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0382-3956-7209-2825-4200)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-12 | £108,000 | Terraced | — | £107,807 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29c-f1c1-8922-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 |
|---------|-------|------|------|
| 20 HERON DRIVE, CARLISLE, CUMBERLAND, CA1 2WA | £108,000 | 12/02/2026 | 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 |
|---------|-------|------|------|
| 3 WILLOW PARK, CARLISLE, CUMBERLAND, CA1 2UB | £115,000 | 19/12/2025 | Terraced |
| 1 CURLEW WALK, CARLISLE, CUMBERLAND, CA1 2WD | £123,000 | 24/07/2024 | Terraced |
| 12 BOTCHERBY AVENUE, CARLISLE, CUMBERLAND, CA1 2TX | £85,500 | 27/10/2023 | Terraced |
| 2 ST JOSEPH'S GARDENS, CARLISLE, CUMBERLAND, CA1 2UQ | £220,000 | 14/08/2023 | Terraced |
| 23 BOTCHERBY AVENUE, CARLISLE, CUMBERLAND, CA1 2TU | £55,000 | 22/05/2023 | Terraced |
| 25 HERON DRIVE, CARLISLE, CUMBERLAND, CA1 2WA | £94,000 | 10/05/2023 | Terraced |
| 9 FINCH CLOSE, CARLISLE, CUMBERLAND, CA1 2WB | £110,000 | 14/04/2023 | Terraced |
| 21 VICTORIA ROAD, CARLISLE, CUMBRIA, CA1 2UE | £220,000 | 31/10/2022 | Terraced |
| 20 HERON DRIVE, CARLISLE, CUMBRIA, CA1 2WA | £98,000 | 01/06/2022 | Terraced |
| 13 CURLEW WALK, CARLISLE, CUMBRIA, CA1 2WD | £143,000 | 25/05/2022 | Terraced |
| 57 BOTCHERBY AVENUE, CARLISLE, CUMBRIA, CA1 2TU | £46,000 | 01/04/2022 | Terraced |
| 7 CHARLOTTE TERRACE, CARLISLE, CUMBRIA, CA1 2RX | £64,950 | 24/02/2022 | Terraced |
| 30 WOOD STREET, CARLISLE, CUMBRIA, CA1 2SF | £395,000 | 17/01/2022 | Terraced |
| 18 HERON DRIVE, CARLISLE, CUMBRIA, CA1 2WA | £112,000 | 14/01/2022 | Terraced |
| 166 BORLAND AVENUE, CARLISLE, CUMBRIA, CA1 2TJ | £72,500 | 16/12/2021 | Terraced |
| 40 BOTCHERBY AVENUE, CARLISLE, CUMBRIA, CA1 2TX | £62,500 | 18/10/2021 | Terraced |
| 57 BOTCHERBY AVENUE, CARLISLE, CUMBRIA, CA1 2TU | £55,500 | 15/10/2021 | Terraced |
| 12 HERON DRIVE, CARLISLE, CUMBRIA, CA1 2WA | £92,400 | 05/08/2021 | Terraced |
| 20 VICTORIA ROAD, CARLISLE, CUMBRIA, CA1 2UE | £76,115 | 29/07/2021 | Terraced |

**Area average:** £117,919 (19 sales)

## Capital growth trend

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

- **5y growth:** 11.7%
- **10y growth:** 52.5%

## 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. 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, Carlisle, CA1 | £750/mo | 2 | 0.57 miles | OpenRent |

**Average rent: £750/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.69% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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 £750/mo).*

- **Gross yield:** 8.3%
- **Cost-to-rent:** 12×
- **Monthly cashflow:** £225/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 8.6%

*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 | 124 |
| Public order | 31 |
| Criminal damage and arson | 21 |
| Other theft | 20 |
| Shoplifting | 19 |
| Drugs | 10 |
| Anti-social behaviour | 8 |
| Burglary | 8 |
| Other crime | 5 |
| Bicycle theft | 4 |
| Possession of weapons | 4 |
| Vehicle crime | 4 |
| Theft from the person | 3 |
| **Total incidents** | **261** |

*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 |
|------|------|----------|--------|
| St Cuthberts  Catholic Primary School, Carlisle | Primary | 0.1 miles | Good — 13 Dec 2017 |
| Norman Street Primary School | Primary | 0.5 miles | Good — 6 Jan 2019 |
| Brook Street Primary School | Primary | 0.6 miles | Good — 6 Mar 2012 |
| Richard Rose Central Academy | Secondary | 0.7 miles | Requires improvement — 9 Oct 2022 |
| St John Henry Newman Catholic School | Secondary | 0.7 miles | Good — 14 Jul 2022 |

## FENSA Certificates

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

### FENSA Certificate #4412912
- **Address:** 20 Heron Drive, CARLISLE, CA1 2WA
- **Certificate Issued:** 23/01/2007
- **Work Completed:** 18/12/2006
- **Items:** 5 window(s), 1 door(s)