# 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
- Bedrooms (EPC estimate): 2
- Bathrooms (EPC): 1
- 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: £124,351 (45 sales)
- Street crime: 280 incidents within 1 mile (Mar 2026)

## Latest sale

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

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **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 | — | £108,000 (to February 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 |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [169207589](http://87.117.209.195:8080/listings/1e01d67)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £108,000 |
| listed | 2025-11-11 | £108,000 |
| sold | 2022-01-01 | £98,000 |
| sold | 2007-01-01 | £96,000 |
| sold | 1999-01-01 | £38,580 |

## 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 |
| 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 |
| 9 WILLOW PARK, CARLISLE, CUMBRIA, CA1 2UB | £71,000 | 29/06/2021 | Terraced |

**Area average:** £115,182 (19 sales)

## Capital growth trend

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

- **5y growth:** 12.2%
- **10y growth:** 21.8%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 4.1%
- **5y growth (index):** 27.3%
- **10y growth (index):** 68.4%

## 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 in the area (all bedroom counts shown — none matched the 2-bedroom EPC estimate). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| Studio Flat, Warwick Road, CA1 | £595/mo | 1 | 0.63 miles | OpenRent |
| 1 Bed Flat, Warwick Road, CA1 | £460/mo | 1 | 0.75 miles | OpenRent |

**Average rent: £528/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 0.49% (weak for cashflow)
- **Max investor price (0.8%):** £66,000
- **Target investor price (1%):** £52,800

*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 £528/mo).*

- **Gross yield:** 5.9%
- **Cost-to-rent:** 17.1×
- **Monthly cashflow:** £25/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1%

*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 | 146 |
| Public order | 25 |
| Drugs | 23 |
| Criminal damage and arson | 22 |
| Anti-social behaviour | 11 |
| Shoplifting | 11 |
| Burglary | 10 |
| Other theft | 9 |
| Other crime | 8 |
| Vehicle crime | 4 |
| Bicycle theft | 3 |
| Possession of weapons | 3 |
| Robbery | 3 |
| Theft from the person | 2 |
| **Total incidents** | **280** |

*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 |
|------|------|----------|--------|
| 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)